2004 Automobile Insurance Guide

Document Sample
2004 Automobile Insurance Guide Powered By Docstoc
					            2004
 Automobile Insurance Guide




           State of Alaska
Department of Community & Economic
            Development
       Division of Insurance
           2004
AUTOMOBILE INSURANCE GUIDE




             STATE OF ALASKA
        DEPARTMENT OF COMMUNITY
        AND ECONOMIC DEVELOPMENT
          DIVISION OF INSURANCE


                 Frank H. Murkowski
                      Governor


  Edgar Blatchford                       Linda S. Hall
   Commissioner                            Director


                        Prepared by
                       Evonda Martin
                     Insurance Analyst
                             Foreword
       One of the missions of the Division of Insurance is to protect and
educate Alaskan consumers. This guide is provided as a tool for your
use when shopping for automobile insurance or reviewing your current
policy.
       Do you know what coverages your automobile insurance policy
must include? Are you aware of the insurance laws that protect you?
How does your premium compare to a similar consumer in your city or in
other areas of the state?
       In addition to answering these questions, this guide includes
explanations of optional coverages, suggestions on obtaining prices, and
directions to other resources.
       We hope this guide helps in your pursuit of affordable insurance
coverage that meets all of your needs. If you have any questions or
concerns, please contact us.


                      Alaska Division of Insurance
                             PO Box 110805
                     9th Floor, State Office Building
                      Juneau, Alaska 99811-0805
                             (907) 465-2515

                                    or

                   550 West 7th Avenue, Suite 1560
                    Anchorage, Alaska 99501-3567
               (907) 269-7900/ (800) 467-8725 (in state)

                                    or

             http://www.dced.state.ak.us/insurance




                    Information in this publication is
                    within public domain and may be
                      reprinted without permission.
                      Table of Contents

Other Publications ___________________________________________________ 2
Financial Responsibility and Mandatory Insurance Laws ______________ 3
Required Coverage ___________________________________________________ 4
Optional Coverages___________________________________________________ 6
Shopping for a Policy ________________________________________________ 10
Insuring Other Types of Vehicles ____________________________________ 14
Claims ______________________________________________________________ 15
Participating Companies_____________________________________________ 16
Premium Comparisons ______________________________________________ 18
               OTHER PUBLICATIONS
       The Division of Insurance has other publications available to help
Alaskans become more knowledgeable insurance consumers. The
following publications are examples of items available through the
Juneau or Anchorage offices of the division. Many of these publications
are also available on the division’s website:

                http://www.dced.state.ak.us/insurance

      The Homeowners Insurance Guide booklet explains homeowners
insurance policies and provides premium comparisons from companies
who currently provide coverage to Alaskans.

      Medicare Supplement Insurance Rate Guide explains basic facts
about Medicare supplement insurance and compares the rates of several
companies. The guide also provides tips for purchasing a Medicare
supplement insurance policy.

       A Shopper’s Guide to Long-Term Care Insurance discusses the cost
of long-term care, types of coverage available, limits available, and
questions you should consider asking before you purchase coverage.

      The Long-Term Care Consumer Guide complements the “Shopper’s
Guide to Long-Term Care Insurance.” The Division of Insurance prepared
this publication to assist Alaskan consumers in making decisions
regarding long-term care insurance. To get the full benefit of this guide,
the reader should also have a copy of the “Shopper’s Guide to Long-Term
Care Insurance.”

      A Consumer Guide to Choosing an Insurance Company provides
an overview for protection against companies that are not financially
sound.

      The Workers’ Compensation Rating Guide is intended to help
employers understand some of the factors that affect the costs of
workers’ compensation insurance. It also outlines procedures to follow if
an employer does not agree with the workers’ compensation classification
they receive.

       State of Alaska, Division of Insurance Annual Report provides a
summary of business written by insurers, premium taxes collected,
licensing statistics, consumer complaints, and disciplinary actions
against insurance businesses in the state.



                                    2
 Financial Responsibility and Mandatory
             Insurance Laws
       The Alaska Statutes require that if you own or operate a motor
vehicle you must provide a means of taking care of others if you are
involved in an accident and determined to be legally responsible. Most
people meet this obligation by buying insurance, but it can also be met
by posting a bond or by self-insuring. The owner or operator of a vehicle
registered for use on the road must carry at least the legally required
minimum amount of liability insurance.
       As of July 1, 2002, you are required to carry proof of
insurance in your immediate possession. Alaska Statute 28.22.019
requires that you have a copy of your policy, certificate of self-insurance,
or identification card in your immediate possession that shows that you
have a policy which complies with the minimum requirements of Alaska
Statute 28.22.011. Additionally, if you are involved in an accident that
results in bodily injury, death, or property damage exceeding $501, you
will be required to show proof of insurance. Failure to have insurance
can result in the suspension of your driver’s license. Before your license
can be reinstated, proof of financial responsibility must be supplied and
reinstatement fees must be paid. An SR-22 filing, which provides proof
of financial responsibility, may be obtained from your insurance
company and must be filed with the Division of Motor Vehicles for three
years following an accident in which the driver was uninsured.
       For more information, contact the Department of Motor Vehicles at
any of the following locations:

     Anchorage: 1300 West Benson Boulevard -- Phone: 269-5551

               Fairbanks: 1979 Peger Road -- Phone: 451-5180

          Juneau: 2760 Sherwood Lane, Suite B -- Phone: 465-4385

           Palmer: 1800 Glenn Highway, Suite 1-- Phone: 745-2185

    Soldotna: 333 Kalifornsky Beach Road, #10 -- Phone: 262-4681
                                         or

                          http://www.state.ak.us/dmv




                                     3
                      Required Coverage
       Liability coverage, the only coverage you are required to carry
under Alaska law, provides you with protection from claims by others for
damages that might arise out of an accident for which you are found to
be legally responsible. This coverage is divided into Bodily Injury
Liability and Property Damage Liability.

Bodily Injury

       Bodily Injury is the portion of your Liability coverage that pays for
expenses such as medical costs, loss of income, and funeral costs of
others who are injured or killed as the result of your negligence.
Coverage may be purchased with a split limit or with a single limit.
       Split limits provide for payment up to a specified amount per
person and up to a total amount per accident. A policy containing Bodily
Injury coverage with a split limit of $50,000 per person and $100,000 per
accident pays no more than $50,000 for the expenses of any one person.
If more than one person is injured, a total of $100,000 is available to
meet their expenses, but each person can recover no more than $50,000.
Your policy or premium quote may show this as $50,000/$100,000
Bodily Injury or BI.
       Single limits provide up to a specified amount for all Bodily Injury
expenses without limiting the amount of payment per person. A policy
containing Bodily Injury coverage with a single limit of $300,000 pays up
to the total amount of coverage without limiting the amount an
individual may recover or the number of individuals who may be able to
recover. However, $300,000 is the maximum amount available under
the policy.
       You must carry limits of at least $50,000 per person and
$100,000 per accident. However, higher limits are available for an
increase in premium. In deciding how much Bodily Injury coverage you
wish to select, you may want to consider the cost of medical treatment in
your area. Does your community have a trauma center equipped to
handle injuries that occur in auto accidents or are there likely to be
transportation costs to reach the nearest facility? How many people
might be injured in an accident with one other vehicle or with two other
vehicles? What is the likelihood in your community of having a multiple
car accident or striking a pedestrian?

Property Damage

      Property Damage is the portion of your Liability coverage that pays
for expenses to repair or replace the property of others which is damaged
as the result of your negligence. This coverage does not take care of your
vehicle or other items of your property. Coverage is only available as a

                                     4
single limit. Your policy or premium quote may show this as $25,000
Physical Damage or PD.
       If your policy provides $25,000 of coverage for Property Damage, it
will pay up to that amount for all covered damage occurring during an
accident regardless of the number of parties involved.
       You must carry limits of at least $25,000 per accident.
However, higher limits are available for an increase in premium. In
deciding how much Property Damage coverage to select, you may want to
consider the cost of repairing vehicles in your area. Does your
community have auto repair facilities that keep a stock of parts needed
for repair or will there be additional costs and delays to order needed
parts? What would it cost to repair a wall, fence, mailbox, or other
property that might be damaged? What is the likelihood of having a
multiple car accident in your community? How much will it cost to
provide a rental vehicle for the other party while their vehicle is being
repaired? What is the average cost of a new car?




      If you buy automobile insurance, your policy
      must include minimum liability coverage of:

           $ 50,000 per person for bodily injury,
          $100,000 per accident for bodily injury,
                            and
               $ 25,000 for property damage




                                    5
                     Optional Coverages
       When you receive a premium quote for auto insurance, you may be
offered other optional coverages in addition to the required Liability
coverage. Alaska law requires that all companies make a written
offer of Uninsured/Underinsured Motorists Coverage. Collision and
Comprehensive coverage are available for damage to your vehicle and will
be included in your premium quote if requested or if your vehicle is
financed or leased. Medical Payments is another coverage commonly
included in a price estimate.

Uninsured/Underinsured Motorists Coverage

       Uninsured/Underinsured Motorists Coverage, like Liability
coverage, is divided into Bodily Injury and Physical Damage sections.
This optional coverage is designed to take care of your injuries and
damage to your property. If you are in an accident and the other party is
found to be responsible, but does not have insurance or does not have
enough insurance to meet your expenses, this coverage is available to
meet your needs. This coverage also applies to hit-and-run situations or
when your vehicle is hit while parked and you are unable to determine
the identity of the other party.
       When you complete an application for auto insurance, you will be
presented with the required written offer for this coverage. Insurers
must offer you a variety of coverage choices, including limits equal to the
Liability coverage which you selected. You must be offered Bodily Injury
and Property Damage as separate coverages. You have the option of
selecting both Bodily Injury and Property Damage at any of the available
limits, rejecting both Bodily Injury and Property Damage, or selecting one
coverage and rejecting the other. If your selection or rejection is not
verified by your signature, Alaska law requires that the company
issue your policy with coverage at limits matching your Liability
coverage. If you reject this coverage, the company is not required to
make another offer at renewal, but you may request that the coverage be
added at any time.
       If you choose this coverage, you may want to keep in mind the
same questions you might consider when selecting Liability coverage
limits. In the event of an accident, can your medical needs be met by
your local hospital or clinic? Have you selected enough coverage to
compensate you for the current value of your vehicle?




                                     6
Collision

       Collision coverage provides an option for taking care of damage to
your vehicle. It pays for the replacement of your vehicle or the repair of
physical damage to your vehicle that is caused by colliding with an object
or by overturning. Sometimes, especially with an older vehicle, the cost
of repairs may exceed the vehicle’s current value. In this case, it may be
declared a total loss by your insurance company and you will be paid for
its actual cash value. Because collision and comprehensive coverage
often work hand in hand, your company may require that you carry
comprehensive coverage when you carry collision coverage. Your
lienholder may also require that you purchase collision coverage.
       A deductible, the portion of the loss that you have agreed to pay,
applies to this coverage. In the event of a loss, the insurance company
will pay for any covered loss less the deductible amount. If you have a
$250 deductible and suffer a $1,000 covered loss, the company will pay
$750 and you will be responsible for the remaining $250. Although
selecting a higher deductible will lower your premium, you should be
realistic about the amount you can afford to pay in the event of a loss.
       If you are not required to carry collision coverage, you may want to
consider this option under certain circumstances. If your vehicle is
declared a total loss, can you afford to replace it? Compare the current
value of your vehicle to the cost of adding this coverage to your policy.
An approximation of the value of your vehicle can be obtained from local
auto dealers, standard valuation guides, or by visiting the websites of
manufacturers and valuation services. To document the condition of
your vehicle and aid in claims settlement, you might consider attaching a
current photo of your vehicle to your policy or renewal and store them in
a safe location.

Comprehensive

      Comprehensive coverage, sometimes called “other than collision”
coverage, is an optional coverage that pays for repairing other types of
physical damage to your vehicle. If your vehicle is financed, the
lienholder will require this coverage. Damage from fire, wind or hail,
vandalism, theft, and broken glass are examples of how this coverage
may be used. Running into a bear or moose, or any collision with a bird
or animal, is included in this coverage. You may carry comprehensive
coverage with or without collision.
      A deductible applies to this coverage. In the event of a loss, the
insurance company will pay for any covered loss less the deductible. If
you have a $250 deductible and suffer a $1,000 covered loss, the
company will pay $750 and you will be responsible for the remaining
$250. Although selecting a higher deductible will lower your premium,
you should be realistic about the amount you can afford to pay in the
event of a loss.



                                     7
       If you are not required to carry comprehensive coverage, you may
want to consider this option under certain circumstances. What is the
likelihood of having your vehicle vandalized or stolen? Can you afford to
replace a broken windshield?

Medical Payments

      Medical Payments is an optional coverage that pays hospital,
medical, and funeral expenses for you or others who are injured or killed
while in your vehicle. Coverage also applies to you, your family
members, or others insured on your policy when they are in another
vehicle or when they are injured by a vehicle as a pedestrian. Unlike
Bodily Injury Liability coverage, payment under this coverage can be
made without a determination of negligence.
      You may want to consider carrying this coverage even if you have
health insurance that covers you and your family. Medical treatment for
your friends, car pool partners, or your child’s soccer team that you take
to practice could all be immediately covered without waiting for fault to
be assigned at the end of a lengthy claims process or lawsuit. Check
with your health insurance company to learn how it might share
payment or coordinate benefits with this coverage.

Rental Reimbursement Coverage

       Rental Reimbursement coverage repays you for the cost of a rental
car only when your vehicle is disabled after a covered loss.
Reimbursement may be limited to a specific amount per day and for a
limited number of days. Because you may be presented with a number
of options for the daily reimbursement rate when you are shopping for
insurance, you will want to be aware of rental costs in your community
so that you will be sure that you are purchasing adequate coverage.

Towing and Labor Coverage

      Towing and Labor Coverage, sometimes called Roadside Assistance
or Emergency Services, reimburses you or pays for towing your vehicle to
a repair shop. One way that towing costs are often covered is by
providing up to a specific amount per use, but there may not be a limit
indicated on the number of times this coverage may be used.
      This coverage may also provide payment or reimbursement for
other types of assistance provided by a mobile service unit. Examples of
the types of services that may be covered are a locksmith, delivery of a
part such as a fan belt, the cost to change a tire or jump start your
vehicle. Check with your agent or insurance company for a description
of what services are covered and the limits of coverage. If you belong to
an auto club, this coverage may be a duplication of your benefits under
that plan.



                                    8
Stereo Coverage

       If you have added audio equipment to your vehicle, you may want
to check with your agent or insurance company to see if you need this
additional coverage. Most policies will only cover the theft of an audio
system that was installed in your vehicle by the factory or that is
permanently installed in the dashboard.
       Theft of CDs or cassettes may be included in this coverage or
added as a separate coverage. You may not want to keep your entire
collection in your vehicle as most policies place a limit, such as $100,
$250, or $500, on recovery under this coverage.




              REMEMBER TO CLICK IT!




                                    9
                    Shopping for a Policy
        A premium quotation, an estimate of the cost of insurance, can be
obtained by visiting or calling a local agent or broker, calling a company’s
toll free telephone number, or by visiting a company’s website. In
addition to obtaining price and coverage information, you will also want
to learn how you will be able to make changes to your policy or report a
claim. How do you prefer to conduct business after purchasing your
policy? Do you want to be able to sit down and discuss your policy with
someone in your community? Are you very comfortable with insurance
and willing to make your own changes online? Is it important to you that
the company have a local adjuster or claims center?

      Be prepared to provide the following information:

   Names of all owners of the vehicle(s) and operators in your
   household – Some companies will also need the name of all members
   of your household who are old enough to drive. The price of your
   policy may be based on information on all licensed drivers as well as
   all potential drivers

   Physical address – Rates vary based on where you drive. A resident
   of a small, remote community is less likely to be involved in an
   accident than a resident of a large, urban community where there are
   many more miles of road and many more vehicles on the road.

   Age, Sex and Marital Status – Insurance rates are based on
   statistics that each company has compiled. For example, if statistics
   indicate that single men under the age of 25 have been found at fault
   in more accidents, the company will charge a higher rate for
   customers who fall in that category because, as a group, they will
   increase the need for funds to cover the expense of claims.

   Driving History and License Status – The company will need to
   know how long each person has been driving, any involvement in
   accidents, any moving violations, any suspensions and/or revocations
   of license, and if there is a need for a Financial Responsibility Filing
   (SR22). Although the company will request a copy of your driving
   record if you apply for a policy, disclosing as much information as
   possible will make it more likely that your estimated price will match
   your actual price.

   Year, Make and Model of Vehicle – Rates for vehicles are also based
   on statistics compiled by the insurance industry. These statistics
   include information such as the frequency of theft and accident
   claims, the cost to repair a vehicle, the size and type of vehicle, and
   their safety performance and history. If you have the serial number,
   or vehicle identification number (VIN), for your vehicle, the quote you
   receive will be more accurate than one based solely on year, make,
                                     10
and model. The VIN can indicate features such as the engine size,
presence of anti-lock brakes, and whether your vehicle has four wheel
drive.

Vehicle Usage – Rates may vary based on whether your vehicle is
used only for pleasure, used to drive back and forth to work, or used
in the course of your business. Each type of usage is defined in the
policy and the terms used to describe usage may vary from company
to company. Usage may also include the number of miles of your
daily commute or an estimate of your annual mileage. Because
terminology differs between companies, it is better to describe the use
of your vehicle and allow the person providing your quote to decide
which term best fits your description.

Prior Insurance – If you currently have an automobile insurance
policy or have had a policy in the past, you will need to provide the
name of the company, the dates you were insured, and the liability
coverage limits you carried. Some companies will offer you a better
price if you have carried liability limits higher than the minimum
required limits. If you have not owned a vehicle, were not legally
required to carry insurance, and have not violated the Alaska
Mandatory Insurance Act, lack of prior insurance coverage may
not be considered as a factor in rating your policy (Division of
Insurance Order R93-5).

Stability – You may be asked for information related to the length of
your employment in your current job or occupation and whether you
own or rent your home. While insurance companies are looking for
stability, this information may also open the door to discounts based
on your status as a homeowner or as a retired person.

Credit Information – You may be asked to provide information
regarding any bankruptcy, judgments, or credit problems. The
insurance company may also ask your permission to obtain a credit
report or will disclose to you that an insurance score will be used to
complete the premium quote. An insurance score is a unique score
defined by individual insurance companies which may be based on
personal characteristics, including information regarding your use of
credit. Alaska law allows insurers to consider credit information
in the selection of applicants and setting of rates. Recent
changes to Alaska Statute 21.36.460 set limits on the types of
credit information that may be used, what consideration it may
be given, and how often it may be considered.
    To obtain your credit history, you may be asked to supply your
date of birth, social security number, and current or prior address.
Details of your credit report are usually not provided to the company,
but a credit score, insurance score, or rating is assigned to you based
on information contained in your credit report.
    Some of the restrictions governing the use of credit information are
listed below.
                                 11
      An application for insurance must contain notification that your
      credit information will be taken into consideration.

      Insurers may only use your credit information one time, either
      when you first apply for coverage or at one renewal.

      The absence of credit history or the inability to determine credit
      history may not be used to cancel, deny, underwrite, or rate an
      insurance policy.

      Some of the items appearing in your credit history which may not
      be taken into consideration are accounts identified as medical, the
      type of credit card used, and your age when credit was established.
      Inquiries for insurance coverage, inquiries by other parties not
      made at your request, and inquiries you make for your own
      information may also not be taken into consideration.

      If a policy is cancelled or denied based on disputed credit history,
      the insurer must inform consumers of their right to
      reconsideration. The insurance company must also provide you
      with information to help you identify the information which
      resulted in cancellation or denial.

      The credit report vendor used by the insurance company may not
   be the same one recently used by your bank or loan company, so
   periodically reviewing the information on file with all three credit
   report vendors is a good idea. More information on insurance scoring
   and credit scoring can be found on the following websites:

      http://www.dced.state.ak.us/insurance/consumerinfo.htm

       http://www.ftc.gov/bcp/conline/pubs/credit/scoring.htm


       Providing complete and accurate information is the best way to
guarantee that your premium quote will truly reflect your unique
situation and that you will be quoted a fair price. By knowing about
possible discounts, you may be able to transform a fair price into a better
price. Here are some of the common discounts you might want to ask
about:

         Good Driver – Some companies reward drivers who have been
         accident or violation free for a number of years.
         Multiple Vehicle – Most companies offer this to customers who
         insure more than one vehicle with them.
         Driver Education/Young Driver Safety Course – Successful
         completion of an accredited course may help offset the higher
         cost of insuring a young driver.
                                    12
         Good Student – High school and college students may earn a
         discount by maintaining a “B” average or better.
         Distant Student – If your child is a student at a school over
         100 miles from your home and does not have a vehicle available
         for use, there may be a discount available to reflect the
         decreased possibility of a loss.
         Senior Citizen, Retired Driver – Sometimes this discount is
         based on having reached a certain age or it may be given upon
         attaining a designated age and no longer being a daily
         commuter. Additionally, Alaska law requires companies to give
         a discount to drivers over age 55 who voluntarily complete a
         motor vehicle accident prevention course approved by the
         Department of Administration.
         Safety Devices/Anti-Theft Devices – If you provided the
         vehicle identification number, it is likely that items such as
         airbags, automatic seat belts, and anti-lock brakes were
         identified at that time. But there may be additional discounts
         available for alarm systems or other safety features.
         Homeowners Discount, Multiple Policy Discount – You may
         receive a discount for owning your home, but will usually be
         required to provide proof of homeowners insurance as
         verification. If you have your homeowners or renters policy with
         the same company, you may qualify for an additional discount.

       All policies written in Alaska must allow you the option of
excluding a driver in your household from coverage. Your insurance
company may request that you do this if a driver on your policy has
proven to be a greater risk than the other covered drivers. You may have
a young driver away at school without a vehicle and may exclude them
from coverage in an effort to lower the cost of your policy. Before
excluding a driver from your policy, you may want to determine if there
are less restrictive ways of removing someone from your policy. While a
driver is excluded under your policy, they have absolutely no
liability coverage, but you may still have a liability exposure.
       Alaska law also requires that your policy extend your collision and
comprehensive coverage to a rental vehicle. If you do not carry collision
and comprehensive coverage, the company must provide the option for
you to purchase coverage for physical damage to a rental vehicle.
       If you are told that you are ineligible to obtain a policy from any
company, you may be eligible for coverage under the Alaska Automobile
Insurance Plan (Assigned Risk). The plan assigns applicants to private
insurance companies doing business in Alaska. For more information,
call AIPSO at 800-227-4659.




                                    13
          Insuring Other Types of Vehicles

Motorcycle

      The minimum liability limits required by state law for motorcycle
insurance are the same as for automobile insurance. There is no
requirement that the company make an offer of higher limits for
Uninsured/Underinsured Motorists Coverage.
      The market for motorcycle insurance in Alaska is relatively limited.
Of the companies that offer the coverage, some may require that you
insure another vehicle or property with their company.

Motor Home/Recreational Vehicle

      Coverage for your motor home or recreational vehicle may also be
available through the company that provides your automobile insurance.
You may also find coverage through an association for recreational
vehicle users.




                                    14
                              Claims

      Do you know what your automobile policy covers? Read the policy
thoroughly so that you know what is covered, how much is covered, and
what is excluded. Your policy will also contain information on how to
contact the company in the event of a loss.
      The following guidelines should assist you as you work with your
insurance company to report and resolve a claim.

  ♦ Telephone your insurance agent or claims office as soon as
    possible. Ask what forms or documents will be needed to support
    your claim. Although many claims are now filed electronically, you
    may need to supply supporting documents such as medical
    receipts, auto repair bills and a copy of the police report.

  ♦ Promptly supply any information your insurance company needs.
    Cooperate in its investigation, settlement, or defense of any claim.

  ♦ Keep records of all your expenses. Emergency expenses you
    incurred as a result of an automobile accident may be covered
    under your policy.

  ♦ Keep copies of all your paperwork. Store copies of all your
    accident-related paperwork with your other important papers.




                Problems filing or resolving a
                           claim?

                Your Division of Insurance is here
                           to assist you

                            Contact:
                       Consumer Services

                           907-269-7900
               Toll Free in Alaska: 800-467-8725
                          (800)INSURAK




                                   15
                 Participating Companies
      The following companies provided premium information for use in
this guide. The names of other companies providing automobile
insurance in Alaska are available in the division's annual report, which is
available from our offices or through our website at

       http://www.dced.state.ak.us/insurance/pub/page127.pdf

      The following information was provided by the participating
companies and is current as of January 1, 2004. Companies may
change their practices regarding the coverage they wish to provide or the
information they use in underwriting or rating. Information regarding
each company's current use of credit information or the availability of an
SR22 filing should be obtained directly from the company or its agent
before you decide to purchase a policy.


American International Companies (AIG)
Contact: 1-877-638-4244 or www.aig.com
     Credit information used: Yes
     Provides SR22 Filings: Yes

Allstate Insurance Company
Contact: 1-800-255-7828 or www.allstate.com
      Credit information used: No
      Provides SR22 Filings: Yes, only in Allstate Indemnity Company

Amica Mutual Insurance Company
Contact: 1-800-24-Amica (1-800-242-6422) or www.amica.com
     Credit information used: No
     Provides SR22 Filings: No

Electric Insurance Company
Contact: 1-800-227-2757 or www.electricinsurance.com
      Credit information used: No
      Provides SR22 Filings: No

Government Employees Insurance Company (GEICO)
Contact: 1-800-841-3000 or www.geico.com
     Credit information used: No
     Provides SR22 Filings: Yes

Hartford Insurance Company of the Midwest
Contact: 1-800-541-33717 or www.thehartford.com
     Credit information used: No
     Provides SR22 Filings: Yes


                                    16
Horace Mann Insurance Companies
Contact: 1-800-999-1030 or www.horacemann.com
     Credit information used: Yes
     Provides SR22 Filings: No

Leader Insurance Company
Contact: Contact your local independent agent or
www.leaderinsurance.com
     Credit information used: No
     Provides SR22 Filings: Yes

Metropolitan Group Property and Casualty Insurance Company
Contact: Available only to employer groups
     Credit information used: No
     Provides SR22 Filings: Yes

Progressive Northwestern Insurance Company
Contact: 1-800-Progressive (1-800-776-4737) or www.progressive.com
     Credit information used: Yes
     Provides SR22 Filings: Yes

Safeco Insurance Company
Contact: Check your yellow pages for a local agent or www.safeco.com
     Credit information used: Yes
     Provides SR22 Filings: Yes

State Farm Insurance Company
Contact: Check your yellow pages for a local agent or
www.statefarm.com
      Credit information used: Yes
      Provides SR22 Filings: Yes (State Farm Fire & Casualty)

United Services Automobile Association
Contact: 1-800-531-8080
     Credit information used: Yes
     Provides SR22 Filings: Yes




                                   17
                   Premium Comparisons

       The following pages contain twelve examples, including individuals,
couples, and families, for your use in shopping for automobile insurance
or to compare with your current premium. Each example includes
premiums for several areas of the state. If your city isn’t included, using
the “rest of state” category may reflect premiums in your location.

     These examples are only a guide and may vary from prices
quoted to a consumer with similar characteristics. Other factors
may be used in the preparation of a price quotation.


The following coverages, policy limits, and deductibles were used:


      Bodily Injury Liability                     $50,000/$100,000

      Property Damage Liability                         $25,000

      Uninsured/Underinsured Motorist
       Bodily Injury                              $50,000/$100,000
       Property Damage                                 $25,000

      Medical Payments                                  $5,000

      Comprehensive Deductible                          $500

      Collision Deductible                              $500



      All examples assume that all drivers have no violations or
accidents, have been licensed since age 16, and have an average credit
score (as defined by each company). Discounts were included to reflect
standard safety equipment, such as seat belts and airbags, for each
vehicle used in the examples. Drivers over age 55 were assumed to have
completed a driving safety course and a discount was applied.

      Rates used in these examples were effective January 1, 2004.




                                    18
      One of the ways you can use these comparisons is to see the effect
of changes in age, addition of drivers, or change in family composition on
your premium. For example, subtracting the cost of insuring a couple
from the cost of insuring a family of three will provide the possible
impact of adding a young driver to your policy. A single parent can
subtract the cost of insuring the parent from the cost of insuring a family
of two to arrive at the possible increase of adding a young driver. These
examples are only a guide and you should contact your insurance
company for an accurate estimate of making any changes to your
policy.

Example 1 – Single, Male, Age 19
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........20-21
    Kenai, Kodiak, Wasilla, Rest of State......................................22-23
Example 2 – Single, Female, Age 19
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........24-25
    Kenai, Kodiak, Wasilla, Rest of State......................................26-27
Example 3 – Single, Male, Age 25
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........28-29
    Kenai, Kodiak, Wasilla, Rest of State......................................30-31
Example 4 – Single, Female, Age 40
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........32-33
    Kenai, Kodiak, Wasilla, Rest of State......................................34-35
Example 5 – Single, Male, Age 50
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........36-37
    Kenai, Kodiak, Wasilla, Rest of State......................................38-39
Example 6 – Single, Female, Age 72
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........40-41
    Kenai, Kodiak, Wasilla, Rest of State......................................42-43
Example 7 – Married Couple, Age 35
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........44-45
    Kenai, Kodiak, Wasilla, Rest of State......................................46-47
Example 8 – Married Couple, Age 60
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........48-49
    Kenai, Kodiak, Wasilla, Rest of State......................................50-51
Example 9 – Family – Male, Age 35 and Male, Age 16
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........52-53
    Kenai, Kodiak, Wasilla, Rest of State......................................54-55
Example 10 – Family – Female, Age 35 and Female, Age 16
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........56-57
    Kenai, Kodiak, Wasilla, Rest of State......................................58-59
Example 11 – Family – Parents, Age 40 and Male, Age 16
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........60-61
    Kenai, Kodiak, Wasilla, Rest of State......................................62-63
Example 12 – Family – Parents, Age 40 and Female, Age 16
    Anchorage, Barrow & Nome, Bethel, Fairbanks, Juneau........64-65
    Kenai, Kodiak, Wasilla, Rest of State......................................66-67



                                         19
                                                                       Example 1
                                                           Driver 1: Single, Male, 19
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

             American
                                                                                                                                                  Horace
               Home                                1                             Geico        Geico         Geico                  2   Horace
   Anchorage                    Allstate     Amica       Electric     GEICO                                             Hartford            3
                                                                                                                                                  Mann
             Assurance                                                          General     Indemnity      Casualty                    Mann           3
                                                                                                                                                   P&C
               (AIG)
BI                560.00           567.77     581.00       408.50      285.00      285.00        345.70       453.80       N/A           979.30     677.20
PD                560.00           439.38       N/A        249.50      285.20      285.20        401.40       444.90       N/A
UM/UIM BI          33.00            44.16      22.00        17.00       28.70       28.70         47.40        67.70       N/A           14.00      14.00
UM/UIM PD       Included             1.80       N/A          5.50        7.50        7.50         18.90        29.50       N/A            2.50       2.50
MED               101.00            35.96      71.00        80.50       33.30       33.30         35.90        50.20       N/A           50.80      34.80
COMP              400.00           156.29     344.00       163.50      278.90      278.90        218.90       316.20       N/A          419.60     312.30
COLL             1328.00           852.21    1701.00       584.50      854.70      854.70       1173.00      1625.00       N/A         1554.20    1147.10
       TOTAL   2982.00            2097.57    2719.00      1509.00     1773.30     1773.30       2241.20      2987.30       N/A         3020.40    2187.90

             American
                                                                                                                                                  Horace
  Barrow and   Home                                1                             Geico        Geico         Geico                  2   Horace
                                Allstate     Amica       Electric     GEICO                                             Hartford            3
                                                                                                                                                  Mann
    Nome     Assurance                                                          General     Indemnity      Casualty                    Mann           3
                                                                                                                                                   P&C
               (AIG)
BI                410.00           394.07     375.00       278.00      198.30      198.30        261.40       322.50       N/A           802.60     617.70
PD                395.00           297.79       N/A        157.50      193.80      193.80        286.00       309.40       N/A
UM/UIM BI          33.00            44.16      22.00        17.00       28.70       28.70         47.40        67.70       N/A           14.00      14.00
UM/UIM PD       Included             1.80       N/A          5.50        7.50        7.50         18.90        29.50       N/A            2.50       2.50
MED                88.00            34.37      44.00        52.50       27.20       27.20         28.90        39.40       N/A           50.80      37.70
COMP              536.00           244.94     497.00       198.50      320.30      320.30        262.80       335.50       N/A          618.80     504.10
COLL             1438.00           987.13    1531.00       572.00      924.70      924.70       1287.00      1691.60       N/A         1391.20    1201.30
       TOTAL   2900.00            2004.26    2469.00      1281.00     1700.50     1700.50       2192.40      2795.60       N/A         2879.90    2377.30

             American
                                                                                                                                                  Horace
               Home                                1                             Geico        Geico         Geico                  2   Horace
     Bethel                     Allstate     Amica       Electric     GEICO                                             Hartford            3
                                                                                                                                                  Mann
             Assurance                                                          General     Indemnity      Casualty                    Mann           3
                                                                                                                                                   P&C
               (AIG)
BI                410.00           394.07     375.00       278.00      198.30      198.30        261.40       322.50       N/A           802.60     617.70
PD                395.00           297.79       N/A        157.50      193.80      193.80        286.00       309.40       N/A
UM/UIM BI          33.00            44.16      22.00        17.00       28.70       28.70         47.40        67.70       N/A           14.00      14.00
UM/UIM PD       Included             1.80       N/A          5.50        7.50        7.50         18.90        29.50       N/A            2.50       2.50
MED                88.00            34.37      44.00        52.50       27.20       27.20         28.90        39.40       N/A           50.80      37.70
COMP              536.00           244.94     497.00       198.50      320.30      320.30        262.80       335.50       N/A          618.80     504.10
COLL             1438.00           987.13    1531.00       572.00      924.70      924.70       1287.00      1691.60       N/A         1391.20    1201.30
       TOTAL   2900.00            2004.26    2469.00      1281.00     1700.50     1700.50       2192.40      2795.60       N/A         2879.90    2377.30

             American
                                                                                                                                                  Horace
               Home                                1                             Geico        Geico         Geico                  2   Horace
   Fairbanks                    Allstate     Amica       Electric     GEICO                                             Hartford            3
                                                                                                                                                  Mann
             Assurance                                                          General     Indemnity      Casualty                    Mann           3
                                                                                                                                                   P&C
               (AIG)
BI                399.00           326.61     460.00       279.50      198.30      215.30        262.80       353.80       N/A           867.90     604.10
PD                480.00           368.59       N/A        226.00      193.80      217.40        341.40       368.30       N/A
UM/UIM BI          33.00            44.16      22.00        17.00       28.70       28.70         47.40        67.70       N/A           14.00      14.00
UM/UIM PD       Included             1.80       N/A          5.50        7.50        7.50         18.90        29.50       N/A            2.50       2.50
MED                76.00            24.78      52.00        60.50       27.20       25.70         28.30        37.20       N/A           49.20      33.40
COMP              461.00           196.26     393.00       166.50      320.30      305.70        235.80       335.50       N/A          556.80     414.70
COLL             1371.00           978.08    1693.00       584.50      924.70      905.70       1233.50      1691.60       N/A         1376.00    1015.30
       TOTAL   2820.00            1940.28    2620.00      1339.50     1700.50     1706.00       2168.10      2883.60       N/A         2866.40    2084.00

             American
                                                                                                                                                  Horace
               Home                                1                             Geico        Geico         Geico                  2   Horace
    Juneau                      Allstate     Amica       Electric     GEICO                                             Hartford            3
                                                                                                                                                  Mann
             Assurance                                                          General     Indemnity      Casualty                    Mann           3
                                                                                                                                                   P&C
               (AIG)
BI                305.00           245.66     375.00       278.00      152.40      152.40        209.20       280.00       N/A           677.60     520.40
PD                345.00           262.16       N/A        157.50      151.30      151.30        243.00       277.90       N/A
UM/UIM BI          33.00            44.16      22.00        17.00       28.70       28.70         47.40        67.70       N/A           14.00      14.00
UM/UIM PD       Included             1.80       N/A          5.50        7.50        7.50         18.90        29.50       N/A            2.50       2.50
MED                54.00            18.39      44.00        52.50       19.70       19.70         20.40        34.80       N/A           49.20      36.70
COMP              321.00           131.96     497.00       198.50      209.70      209.70        191.90       272.60       N/A          336.40     274.30
COLL             1064.00           717.89    1531.00       572.00      686.40      686.40        992.60      1421.90       N/A         1084.50     839.30
       TOTAL   2122.00            1422.02    2469.00      1281.00     1255.70     1255.70       1723.40      2384.40       N/A         2164.20    1687.20

NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements

3. Horace Mann Companies: Only acceptable if insured is educator or supporting adult educator in household; includes 5% claim free discount




                                                                                20
                                                                            Example 1
                                                               Driver 1: Single, Male, 19
                                                      Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                          Use: Commute - 10 miles one way

                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                State Farm State Farm                    USAA
  Anchorage                    Leader                                                                  National                                 USAA
                  Ins. Co.3
                                                                                     4             5
                                           Mutual     politan      sive      America      Illinois             6      F&C       Mutual                     Casualty
                                                                                                       (Safeco)
BI                   883.80     757.00       624.00    335.00      746.00       753.60       443.40       652.80        936.80       889.60       558.28     665.63
PD                              544.00                 218.00      473.00       800.30       470.80       693.30      Included     Included       445.56     479.61
UM/UIM BI            14.00       55.00        25.00     21.00       88.00        59.40        40.30        55.70         38.00        38.00        39.22      54.32
UM/UIM PD             2.50       33.00                   4.00       30.00       141.80        84.80       117.80          2.20         2.20         4.21       5.83
MED                  45.80       70.00       71.00      39.00       97.00        70.80        39.30        59.10        140.80       133.60        66.09      92.05
COMP                378.80      241.00      292.00     394.00      121.00       129.70        61.00        98.70        200.00       200.00       278.24     298.24
COLL               1403.70     1531.00      984.00     995.00      909.00      2183.50      1098.30      1756.90        634.40       603.20      1083.12    1353.35
       TOTAL       2728.60     3231.00     1996.00    2006.00     2464.00      4139.10      2237.90      3434.30      1952.20      1866.60       2474.72    2949.03


                                                                                                         First
  Barrow and      Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                State Farm State Farm                    USAA
                           3   Leader                                                4             5
                                                                                                       National                                 USAA
    Nome          Ins. Co.                 Mutual     politan      sive      America      Illinois             6      F&C       Mutual                     Casualty
                                                                                                       (Safeco)
BI                   725.40     522.07       456.00    291.00      481.00       N/A          N/A          N/A           511.20       485.60       346.24     411.94
PD                              375.17                 188.00      337.00       N/A          N/A          N/A         Included     Included       279.29     300.36
UM/UIM BI            14.00       37.93        25.00     21.00       88.00       N/A          N/A          N/A            38.00        38.00        39.22      54.32
UM/UIM PD             2.50       22.76                   4.00       30.00       N/A          N/A          N/A             2.20         2.20         4.21       5.83
MED                  45.80       60.87       49.00      36.00       71.00       N/A          N/A          N/A            86.40        82.40        48.93      68.14
COMP                558.60      223.15      307.00     504.00      155.00       N/A          N/A          N/A           204.00       204.00       308.70     330.94
COLL               1344.30     1417.59      997.00     963.00     1001.00       N/A          N/A          N/A           629.60       598.40      1098.97    1373.23
       TOTAL       2690.60     2659.54     1834.00    2007.00     2163.00       N/A          N/A          N/A         1471.40      1410.60       2125.56    2544.76


                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                State Farm State Farm                    USAA
    Bethel                 3   Leader                                                4             5
                                                                                                       National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6      F&C       Mutual                     Casualty
                                                                                                       (Safeco)
BI                   725.40     522.07       357.00    244.00      481.00       N/A          N/A          N/A           511.20       485.60       346.24     411.94
PD                              375.17                 160.00      337.00       N/A          N/A          N/A         Included     Included       279.29     300.36
UM/UIM BI            14.00       37.93        25.00     21.00       88.00       N/A          N/A          N/A            38.00        38.00        39.22      54.32
UM/UIM PD             2.50       22.76                   4.00       30.00       N/A          N/A          N/A             2.20         2.20         4.21       5.83
MED                  45.80       60.87       59.00      36.00       71.00       N/A          N/A          N/A            86.40        82.40        48.93      68.14
COMP                558.60      223.15      373.00     554.00      155.00       N/A          N/A          N/A           204.00       204.00       308.70     330.94
COLL               1344.30     1417.59      964.00    1030.00     1001.00       N/A          N/A          N/A           629.60       598.40      1098.97    1373.23
       TOTAL       2690.60     2659.54     1778.00    2049.00     2163.00       N/A          N/A          N/A         1471.40      1410.60       2125.56    2544.76


                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                State Farm State Farm                    USAA
   Fairbanks               3   Leader                                                4             5
                                                                                                       National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6      F&C       Mutual                     Casualty
                                                                                                       (Safeco)
BI                   784.50     574.28       456.00    291.00      503.00       580.90       341.80       503.20        644.00       611.20       348.04     414.10
PD                              405.19                 188.00      400.00       587.50       345.70       508.90      Included     Included       323.80     348.34
UM/UIM BI            14.00       41.72        25.00     21.00       88.00        45.90        31.10        43.00         38.00        38.00        39.22      54.32
UM/UIM PD             2.50       25.03                   4.00       30.00       153.60        91.90       127.70          2.20         2.20         4.21       5.83
MED                  44.50       57.22       49.00      36.00       67.00        54.70        30.40        45.70         84.00        80.00        45.68      63.62
COMP                502.70      261.08      307.00     504.00      165.00       146.80        69.00       111.70        236.00       236.00       307.88     330.07
COLL               1242.50     1474.30      997.00     963.00     1057.00      2365.40      1189.80      1903.30        679.20       644.80      1081.42    1351.21
       TOTAL       2590.70     2838.82     1834.00    2007.00     2310.00      3934.80      2099.70      3243.50      1683.40      1612.20       2150.25    2567.50


                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                State Farm State Farm                    USAA
    Juneau                     Leader                                                                  National                                 USAA
                  Ins. Co.3                Mutual     politan      sive      America
                                                                                     4
                                                                                          Illinois
                                                                                                   5
                                                                                                               6      F&C       Mutual                     Casualty
                                                                                                       (Safeco)
BI                   611.70     501.19       357.00    222.00      443.00       523.30       307.90       453.30        551.20       524.00       281.73     334.77
PD                              330.15                 146.00      267.00       462.60       272.20       400.70      Included     Included       252.44     271.41
UM/UIM BI            14.00       37.93        25.00     21.00       88.00        41.00        27.80        38.40         38.00        38.00        39.22      54.32
UM/UIM PD             2.50       22.76                   4.00       30.00       131.30        78.50       109.10          2.20         2.20         4.21       5.83
MED                  44.50       51.74       49.00      29.00       54.00        48.80        27.10        40.80         70.40        66.40        38.41      53.49
COMP                304.10      211.99      304.00     351.00      113.00       113.90        53.50        86.60        155.20       155.20       231.17     247.71
COLL                938.90     1488.47      951.00     716.00      816.00      2022.20      1017.20      1627.10        579.20       550.40       843.11    1052.38
       TOTAL       1915.70     2644.23     1686.00    1489.00     1811.00      3343.10      1784.20      2756.00      1396.20      1336.20       1690.29    2019.90

NOTES:
3. Horace Mann Companies: Only acceptable if insured is educator or supporting adult educator in household; includes 5% claim free discount
4. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide
claims service in these areas.
5. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims
service in these areas.
6. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service
in these areas.




                                                                                 21
                                                                       Example 1
                                                           Driver 1: Single, Male, 19
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                  American
                                                                                                                                                     Horace
                    Home                           1                              Geico          Geico       Geico                 2   Horace
      Kenai                     Allstate     Amica       Electric     GEICO                                             Hartford            3
                                                                                                                                                     Mann
                  Assurance                                                      General       Indemnity    Casualty                   Mann              3
                                                                                                                                                      P&C
                    (AIG)
BI                     410.00      394.07      375.00       278.00      152.40        198.30       261.40      322.50      N/A           780.50        549.20
PD                     395.00      297.79         N/A       157.50      151.30        193.80       286.00      309.40      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     88.00        34.37      44.00        52.50       19.70         27.20        28.90       39.40      N/A            50.80         34.80
COMP                   536.00      244.94      497.00       198.50      209.70        320.30       262.80      335.50      N/A           605.60        450.60
COLL                 1438.00       987.13     1531.00       572.00      686.40        924.70      1287.00     1691.60      N/A         1420.80         982.00
          TOTAL      2900.00      2004.26    2469.00      1281.00     1255.70     1700.50         2192.40    2795.60       N/A         2874.20       2033.10


                  American
                                                                                                                                                     Horace
                    Home                           1                              Geico          Geico       Geico                 2   Horace
      Kodiak                    Allstate     Amica       Electric     GEICO                                             Hartford            3
                                                                                                                                                     Mann
                  Assurance                                                      General       Indemnity    Casualty                   Mann              3
                                                                                                                                                      P&C
                    (AIG)
BI                     410.00      394.07      375.00       278.00      198.30        198.30       261.40      322.50      N/A           802.60        617.70
PD                     395.00      297.79         N/A       157.50      193.80        193.80       286.00      309.40      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     88.00        34.37      44.00        52.50       27.20         27.20        28.90       39.40      N/A            50.80         37.70
COMP                   536.00      244.94      497.00       198.50      320.30        320.30       262.80      335.50      N/A           618.80        504.10
COLL                 1438.00       987.13     1531.00       572.00      924.70        924.70      1287.00     1691.60      N/A         1391.20        1201.30
          TOTAL      2900.00      2004.26    2469.00      1281.00     1700.50     1700.50         2192.40    2795.60       N/A         2879.90       2377.30


                  American
                                                                                                                                                     Horace
                    Home                           1                              Geico          Geico       Geico                 2   Horace
     Wasilla                    Allstate     Amica       Electric     GEICO                                             Hartford            3
                                                                                                                                                     Mann
                  Assurance                                                      General       Indemnity    Casualty                   Mann              3
                                                                                                                                                      P&C
                    (AIG)
BI                     560.00      394.07      375.00       278.00      198.30        198.30       261.40      322.50      N/A           812.00        570.90
PD                     560.00      297.79         N/A       157.50      193.80        193.80       286.00      309.40      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                    101.00        34.37      44.00        52.50       27.20         27.20        28.90       39.40      N/A            50.80         34.80
COMP                   400.00      244.94      497.00       198.50      320.30        320.30       262.80      335.50      N/A           645.20        480.80
COLL                 1328.00       987.13     1531.00       572.00      924.70        924.70      1287.00     1691.60      N/A         1488.50        1048.60
          TOTAL      2982.00      2004.26    2469.00      1281.00     1700.50     1700.50         2192.40    2795.60       N/A         3013.00       2151.60


                  American
                                                                                                                                                     Horace
                    Home                           1                              Geico          Geico       Geico                 2   Horace
 Rest of State                  Allstate     Amica       Electric     GEICO                                             Hartford            3
                                                                                                                                                     Mann
                  Assurance                                                      General       Indemnity    Casualty                   Mann              3
                                                                                                                                                      P&C
                    (AIG)
BI                     410.00      394.07      375.00       278.00      198.30        198.30       261.40      322.50      N/A           802.60        617.70
PD                     395.00      297.79         N/A       157.50      193.80        193.80       286.00      309.40      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     88.00        34.37      44.00        52.50       27.20         27.20        28.90       39.40      N/A            50.80         37.70
COMP                   536.00      244.94      497.00       198.50      320.30        320.30       262.80      335.50      N/A           618.80        504.10
COLL                 1438.00       987.13     1531.00       572.00      924.70        924.70      1287.00     1691.60      N/A         1391.20        1201.30
          TOTAL      2900.00      2004.26    2469.00      1281.00     1700.50     1700.50         2192.40    2795.60       N/A         2879.90       2377.30


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements

3. Horace Mann Companies: Only acceptable if insured is educator or supporting adult educator in household; includes 5% claim free discount




                                                                                 22
                                                                             Example 1
                                                               Driver 1: Single, Male, 19
                                                      Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                          Use: Commute - 10 miles one way

                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                       USAA
      Kenai                    Leader                                                                  National                                 USAA
                  Ins. Co.3
                                                                                     4             5
                                           Mutual     politan      sive      America      Illinois             6       F&C       Mutual                        Casualty
                                                                                                       (Safeco)

BI                   705.10      579.50      357.00     244.00      541.00       565.20       332.50       489.60       575.20       546.40       417.19          496.83
PD                               378.92                 160.00      357.00       545.90       321.20       472.90     Included      Included      336.62          362.16
UM/UIM BI              14.00      37.93       25.00      21.00       88.00        54.10        36.70        50.70        38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00       137.80        82.50       114.60         2.20          2.20            3.57        4.94
MED                    45.80      65.13       59.00      36.00       97.00        64.50        35.80        53.80        96.00        91.20         56.77          79.06
COMP                 546.40      283.40      373.00     554.00      163.00       154.80        72.80       117.80       260.00       260.00       322.34          345.59
COLL                1201.40     1701.11      964.00    1030.00     1094.00      2122.80      1067.80     1708.10        688.80       654.40      1081.42         1351.21
         TOTAL     2515.20     3068.75     1778.00    2049.00     2370.00      3645.10      1949.30      3007.50      1660.20      1592.20       2257.13        2694.12


                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                       USAA
     Kodiak                3   Leader                                                4             5
                                                                                                       National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6       F&C       Mutual                        Casualty
                                                                                                       (Safeco)

BI                   725.40      563.83      357.00     244.00      573.00      N/A          N/A          N/A           551.20       524.00       309.94          368.52
PD                               375.17                 160.00      323.00      N/A          N/A          N/A         Included      Included      252.18          271.13
UM/UIM BI              14.00      37.93       25.00      21.00       88.00      N/A          N/A          N/A            38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00      N/A          N/A          N/A             2.20          2.20            4.21        5.83
MED                    45.80      60.87       59.00      36.00       76.00      N/A          N/A          N/A            70.40        66.40         44.79          62.37
COMP                 558.60      267.78      373.00     554.00      158.00      N/A          N/A          N/A           155.20       155.20       293.81          314.96
COLL                1344.30     1417.59      964.00    1030.00     1150.00      N/A          N/A          N/A           579.20       550.40       969.18         1210.47
         TOTAL     2690.60     2745.94     1778.00    2049.00     2398.00       N/A          N/A          N/A         1396.20      1336.20       1913.32        2287.58


                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                       USAA
     Wasilla               3   Leader                                                4             5
                                                                                                       National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6       F&C       Mutual                        Casualty
                                                                                                       (Safeco)

BI                   733.00      626.48      624.00     335.00      730.00       685.60       403.40       593.90       936.80       889.60       532.48          634.76
PD                               405.19                 218.00      420.00       647.60       381.00       561.00     Included      Included      422.28          454.52
UM/UIM BI              14.00      37.93       25.00      21.00       88.00        57.00        38.60        53.40        38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00       141.80        84.80       117.80         2.20          2.20            4.21        5.83
MED                    45.80      65.74       71.00      39.00       94.00        67.90        37.70        56.70       140.80       133.60         64.20          89.42
COMP                 582.50      254.39      292.00     394.00      163.00       151.40        71.20       115.20       200.00       200.00       289.32          310.14
COLL                1283.20     1559.35      984.00     995.00      955.00      2183.50      1098.30     1756.90        634.40       603.20      1089.93         1361.89
         TOTAL     2661.00     2971.84     1996.00    2006.00     2480.00      3934.80      2115.00      3254.90      1952.20      1866.60       2441.64        2910.87


                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                       USAA
 Rest of State             3   Leader                                                4             5
                                                                                                       National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6       F&C       Mutual                        Casualty
                                                                                                       (Safeco)

BI                   725.40      522.07      357.00     244.00      481.00       528.60       311.00       457.90       511.20       485.60       332.84          368.52
PD                               375.17                 160.00      337.00       527.40       310.30       456.80     Included      Included      295.86          271.13
UM/UIM BI              14.00      37.93       25.00      21.00       88.00        49.20        33.40        46.10        38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00       143.10        85.60       118.90         2.20          2.20            4.21        5.83
MED                    45.80      60.87       59.00      36.00       71.00        58.60        32.60        48.90        86.40        82.40         48.04          62.37
COMP                 558.60      223.15      373.00     554.00      155.00       159.40        74.90       121.30       204.00       204.00       326.96          314.96
COLL                1344.30     1417.59      964.00    1030.00     1001.00      2204.20      1108.70     1773.50        629.60       598.40      1133.76         1210.47
         TOTAL     2690.60     2659.54     1778.00    2049.00     2163.00      3670.50      1956.50      3023.40      1471.40      1410.60       2180.89        2287.58


NOTES:
3. Horace Mann Companies: Only acceptable if insured is educator or supporting adult educator in household; includes 5% claim free discount
4. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide
claims service in these areas.
5. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims
service in these areas.
6. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service
in these areas.




                                                                                 23
                                                                       Example 2

                                                          Driver 1: Single Female, 19
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                   American                                                                                                                          Horace
                                                   1                              Geico          Geico       Geico                 2
                                                                                                                                       Horace
     Anchorage     Internat'l   Allstate     Amica       Electric     GEICO                                             Hartford            3        Mann
                                                                                 General       Indemnity    Casualty                   Mann              3
                     (AIG)                                                                                                                            P&C
BI                     311.00      400.36      396.00       317.00      194.80        194.80       248.90      326.70      N/A           599.80        414.80
PD                     311.00      309.83         N/A       193.50      194.90        194.90       289.00      320.40      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     56.00        35.10      47.00        62.50       22.80         22.80        41.00       57.40      N/A            31.20         21.30
COMP                   224.00        84.78     233.00       127.00      157.90        157.90       188.70      272.60      N/A           257.00        191.30
COLL                   739.00      555.38     1145.00       453.50      584.10        584.10       744.40     1031.30      N/A           952.00        702.60
           TOTAL     1674.00      1031.05    1843.00        405.50     995.90         995.90      1329.40    1778.90       N/A         1856.50        931.70


                   American                                                                                                                          Horace
     Barrow and                                    1                              Geico          Geico       Geico                 2
                                                                                                                                       Horace
                   Internat'l   Allstate     Amica       Electric     GEICO                                             Hartford            3        Mann
       Nome                                                                      General       Indemnity    Casualty                   Mann              3
                     (AIG)                                                                                                                            P&C
BI                     228.00      277.87      259.00       216.00      135.50        135.50       188.20      232.20      N/A           491.50        378.40
PD                     220.00      209.98         N/A       122.00      132.50        132.50       206.00      222.80      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     49.00        33.55      29.00        40.50       18.70         18.70        33.00       45.00      N/A            31.20         23.10
COMP                   298.00      132.83      334.00       154.00      181.40        181.40       226.50      289.20      N/A           379.00        308.80
COLL                   802.00      643.30     1032.00       444.00      631.90        631.90       816.80     1073.50      N/A           852.10        735.70
           TOTAL     1630.00      1343.49    1676.00        999.00    1136.20     1136.20         1536.80    1959.90       N/A         1770.30       1462.50


                   American                                                                                                                          Horace
                                                   1                              Geico          Geico       Geico                 2
                                                                                                                                       Horace
       Bethel      Internat'l   Allstate     Amica       Electric     GEICO                                             Hartford            3        Mann
                                                                                 General       Indemnity    Casualty                   Mann              3
                     (AIG)                                                                                                                            P&C
BI                     228.00      277.87      259.00       216.00      135.50        135.50       188.20      232.20      N/A           491.50        378.40
PD                     220.00      209.98         N/A       122.00      132.50        132.50       206.00      222.80      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     49.00        33.55      29.00        40.50       18.70         18.70        33.00       45.00      N/A            31.20         23.10
COMP                   298.00      132.83      334.00       154.00      181.40        181.40       226.50      289.20      N/A           379.00        308.80
COLL                   802.00      643.30     1032.00       444.00      631.90        631.90       816.80     1073.50      N/A           852.10        735.70
           TOTAL     1630.00      1343.49    1676.00        999.00    1136.20     1136.20         1536.80    1959.90       N/A         1770.30       1462.50


                   American                                                                                                                          Horace
                                                   1                              Geico          Geico       Geico                 2
                                                                                                                                       Horace
     Fairbanks     Internat'l   Allstate     Amica       Electric     GEICO                                             Hartford            3        Mann
                                                                                 General       Indemnity    Casualty                   Mann              3
                     (AIG)                                                                                                                            P&C
BI                     222.00      230.30      315.00       217.00      147.20        147.20       189.20      254.70      N/A           531.60        370.10
PD                     267.00      259.90         N/A       175.50      148.60        148.60       245.80      265.20      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     43.00        24.19      34.00        47.00       17.60         17.60        32.40       42.50      N/A            30.10         20.40
COMP                   256.00      106.43      265.00       129.00      173.10        173.10       203.30      289.20      N/A           341.00        254.00
COLL                   763.00      637.41     1140.00       453.50      618.90        618.90       782.80     1073.50      N/A           842.70        621.90
           TOTAL     1584.00      1304.19    1776.00      1044.50     1141.60     1141.60         1519.80    2022.30       N/A         1761.90       1282.90


                   American                                                                                                                          Horace
                                                   1                              Geico          Geico       Geico                 2
                                                                                                                                       Horace
      Juneau       Internat'l   Allstate     Amica       Electric     GEICO                                             Hartford            3        Mann
                                                                                 General       Indemnity    Casualty                   Mann              3
                     (AIG)                                                                                                                            P&C
BI                     169.00      173.22      259.00       216.00      104.20        104.20       150.60      201.60      N/A           415.00        318.70
PD                     192.00      184.86         N/A       122.00      103.50        103.50       175.00      200.10      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     30.00        17.96      29.00        40.50       13.50         13.50        23.30       39.80      N/A            30.10         22.60
COMP                   178.00        71.58     334.00       154.00      118.80        118.80       165.40      235.00      N/A           206.00        168.00
COLL                   592.00      467.84     1032.00       444.00      469.10        469.10       629.90      902.40      N/A           664.20        514.10
           TOTAL     1194.00       961.42     1676.00       999.00     845.30         845.30      1210.50    1676.10       N/A         1331.80       1039.90


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements

3. Horace Mann Companies: Only acceptable if insured is educator or supporting adult educator in household; includes 5% claim free discount




                                                                                 24
                                                                             Example 2

                                                              Driver 1: Single, Female, 19
                                                      Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                          Use: Commute - 10 miles one way

                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                          USAA
     Anchorage             3   Leader                                                4             5   National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6    F&C       Mutual                           Casualty
                                                                                                       (Safeco)
BI                   536.60      571.00      393.00     203.00      571.00       537.60       315.80      464.90      655.76     622.72           376.06          434.34
PD                               411.00                 129.00      362.00       570.90       335.40       493.70     Included      Included      300.25          313.40
UM/UIM BI              14.00      55.00       25.00      21.00       88.00        65.30        44.40        61.00        38.00        38.00         39.22          54.32
UM/UIM PD               2.50      33.00                   4.00       30.00        89.50        53.70        74.50         2.20          2.20            4.21        5.83
MED                    27.80      75.00       45.00      23.00       92.00        77.80        43.30        64.80        98.56        93.52         44.06          59.50
COMP                 230.00      172.00      184.00     223.00       75.00        83.70        39.40        64.00       140.00       140.00       187.66          195.06
COLL                 852.20      962.00      620.00     565.00      529.00      1378.00       695.00     1111.20        444.08       422.24       728.50          881.53
          TOTAL    1126.50     2279.00     1267.00    1170.00     1176.00      2802.80      1527.00      2334.10      1378.60      1318.68       1679.96        1943.97

                                                                                                         First
     Barrow and   Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                       USAA
                           3   Leader                                                4             5   National                                 USAA
       Nome       Ins. Co.                 Mutual     politan      sive      America      Illinois             6       F&C       Mutual                        Casualty
                                                                                                       (Safeco)
BI                   440.40      393.79      287.00     176.00      368.00      N/A          N/A         N/A            357.84       339.92       234.70          270.37
PD                               283.45                 113.00      258.00      N/A          N/A          N/A         Included      Included      189.40          197.54
UM/UIM BI              14.00      37.93       25.00      21.00       88.00      N/A          N/A          N/A            38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00      N/A          N/A          N/A             2.20          2.20            4.21        5.83
MED                    27.80      65.22       31.00      20.00       67.00      N/A          N/A          N/A            60.48        57.68         32.62          44.04
COMP                 339.20      159.26      194.00     284.00       97.00      N/A          N/A          N/A           142.80       142.80       207.97          216.20
COLL                 816.10      890.74      628.00     547.00      583.00      N/A          N/A          N/A           440.72       418.88       739.06          894.38
          TOTAL    1640.00     1853.15     1165.00    1168.00     1491.00       N/A          N/A          N/A         1042.04        999.48      1447.18        1682.68

                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                       USAA
       Bethel              3   Leader                                                4             5   National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6       F&C       Mutual                        Casualty
                                                                                                       (Safeco)
BI                   440.40      393.79      225.00     148.00      368.00      N/A          N/A         N/A            357.84       339.92       234.70          270.37
PD                               283.45                  96.00      258.00      N/A          N/A          N/A         Included      Included      189.40          197.54
UM/UIM BI              14.00      37.93       25.00      21.00       88.00      N/A          N/A          N/A            38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00      N/A          N/A          N/A             2.20          2.20            4.21        5.83
MED                    27.80      65.22       38.00      20.00       67.00      N/A          N/A          N/A            60.48        57.68         32.62          44.04
COMP                 339.20      159.26      235.00     313.00       97.00      N/A          N/A          N/A           142.80       142.80       207.97          216.20
COLL                 816.10      890.74      608.00     584.00      583.00      N/A          N/A          N/A           440.72       418.88       739.06          894.38
          TOTAL    1640.00     1853.15     1131.00    1187.00     1491.00       N/A          N/A          N/A         1042.04        999.48      1447.18        1682.68

                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                          USAA
     Fairbanks             3   Leader                                                4             5   National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6    F&C       Mutual                           Casualty
                                                                                                       (Safeco)
BI                   476.20      433.17      287.00     176.00      385.00       414.40       243.40      358.30      450.80     427.84           235.90          271.76
PD                               306.12                 113.00      306.00       419.10       246.20       362.40     Included      Included      219.08          228.55
UM/UIM BI              14.00      41.72       25.00      21.00       88.00        50.40        34.30        47.10        38.00        38.00         39.22          54.32
UM/UIM PD               2.50      25.03                   4.00       30.00        96.90        58.10        80.70         2.20          2.20            4.21        5.83
MED                    27.00      61.30       31.00      20.00       63.00        60.10        33.50        50.10        58.80        56.00         30.46          41.12
COMP                 305.20      186.33      194.00     284.00      103.00        94.70        44.60        72.40       165.20       165.20       207.42          215.63
COLL                 754.40      926.37      628.00     547.00      615.00      1492.90       752.90     1203.80        475.44       451.36       727.36          880.15
          TOTAL    1579.30     1980.06     1165.00    1168.00     1590.00      2628.50      1413.00      2174.80      1190.44      1140.60       1463.65        1697.37

                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                          USAA
      Juneau               3   Leader                                                4             5   National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6    F&C       Mutual                           Casualty
                                                                                                       (Safeco)
BI                   371.30      378.04      225.00     134.00      339.00       373.30       219.30      322.80      385.84     366.80           191.69          220.49
PD                               249.43                  88.00      204.00       330.00       193.90       285.30     Included      Included      171.50          178.83
UM/UIM BI              14.00      37.93       25.00      21.00       88.00        45.00        30.60        42.10        38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00        82.90        49.70        69.00         2.20          2.20            4.21        5.83
MED                    27.00      55.43       31.00      16.00       52.00        53.60        29.90        44.70        49.28        46.48         25.60          34.57
COMP                 184.60      151.30      192.00     201.00       70.00        73.50        34.60        56.20       108.64       108.64       156.28          162.40
COLL                 570.00      935.28      599.00     408.00      475.00      1276.30       643.70     1029.10        405.44       385.28       568.49          687.00
          TOTAL    1169.40     1830.17     1072.00     877.00     1258.00      2234.60      1201.70      1849.20       989.40        947.40      1157.00        1343.44


NOTES:
3. Horace Mann Companies: Only acceptable if insured is educator or supporting adult educator in household; includes 5% claim free discount
4. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide
claims service in these areas.
5. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims
service in these areas.
6. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service
in these areas.

                                                                                 25
                                                                       Example 2

                                                          Driver 1: Single Female, 19
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                  American                                                                                                                           Horace
                                                   1                              Geico          Geico       Geico                 2
                                                                                                                                       Horace
      Kenai       Internat'l    Allstate     Amica       Electric     GEICO                                             Hartford            3        Mann
                                                                                 General       Indemnity    Casualty                   Mann              3
                    (AIG)                                                                                                                             P&C
BI                     228.00      277.87      259.00       216.00      135.50        135.50       188.20      232.20      N/A           478.10        336.40
PD                     220.00      209.98         N/A       122.00      132.50        132.50       206.00      222.80      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     49.00        33.55      29.00        40.50       18.70         18.70        33.00       45.00      N/A            31.20         21.30
COMP                   298.00      132.83      334.00       154.00      181.40        181.40       226.50      289.20      N/A           370.90        275.90
COLL                   802.00      643.30     1032.00       444.00      631.90        631.90       816.80     1073.50      N/A           870.30        601.60
          TOTAL      1630.00      1343.49    1676.00        999.00    1136.20     1136.20         1536.80    1959.90       N/A         1767.00       1251.70


                  American                                                                                                                           Horace
                                                   1                              Geico          Geico       Geico                 2
                                                                                                                                       Horace
      Kodiak      Internat'l    Allstate     Amica       Electric     GEICO                                             Hartford            3        Mann
                                                                                 General       Indemnity    Casualty                   Mann              3
                    (AIG)                                                                                                                             P&C
BI                     228.00      277.87      259.00       216.00      135.50        135.50       188.20      232.20      N/A           491.50        378.40
PD                     220.00      209.98         N/A       122.00      132.50        132.50       206.00      222.80      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     49.00        33.55      29.00        40.50       18.70         18.70        33.00       45.00      N/A            31.20         23.10
COMP                   298.00      132.83      334.00       154.00      181.40        181.40       226.50      289.20      N/A           379.00        308.80
COLL                   802.00      643.30     1032.00       444.00      631.90        631.90       816.80     1073.50      N/A           852.10        735.70
          TOTAL      1630.00      1343.49    1676.00        999.00    1136.20     1136.20         1536.80    1959.90       N/A         1770.30       1462.50


                  American                                                                                                                           Horace
                                                   1                              Geico          Geico       Geico                 2
                                                                                                                                       Horace
     Wasilla      Internat'l    Allstate     Amica       Electric     GEICO                                             Hartford            3        Mann
                                                                                 General       Indemnity    Casualty                   Mann              3
                    (AIG)                                                                                                                             P&C
BI                     311.00      277.87      259.00       216.00      135.50        135.50       188.20      232.20      N/A           497.40        349.60
PD                     311.00      209.98         N/A       122.00      132.50        132.50       206.00      222.80      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     56.00        33.55      29.00        40.50       18.70         18.70        33.00       45.00      N/A            31.20         21.30
COMP                   224.00      132.83      334.00       154.00      181.40        181.40       226.50      289.20      N/A           395.20        294.50
COLL                   739.00      643.30     1032.00       444.00      631.90        631.90       816.80     1073.50      N/A           911.70        642.30
          TOTAL      1674.00      1343.49    1676.00        999.00    1136.20     1136.20         1536.80    1959.90       N/A         1852.00       1324.20


                  American                                                                                                                           Horace
                                                   1                              Geico          Geico       Geico                 2
                                                                                                                                       Horace
 Rest of State    Internat'l    Allstate     Amica       Electric     GEICO                                             Hartford            3        Mann
                                                                                 General       Indemnity    Casualty                   Mann              3
                    (AIG)                                                                                                                             P&C
BI                     228.00      277.87      259.00       216.00      135.50        135.50       188.20      232.20      N/A           491.50        378.40
PD                     220.00      209.98         N/A       122.00      132.50        132.50       206.00      222.80      N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70      N/A            14.00         14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50      N/A                2.50       2.50
MED                     49.00        33.55      29.00        40.50       18.70         18.70        33.00       45.00      N/A            31.20         23.10
COMP                   298.00      132.83      334.00       154.00      181.40        181.40       226.50      289.20      N/A           379.00        308.80
COLL                   802.00      643.30     1032.00       444.00      631.90        631.90       816.80     1073.50      N/A           852.10        735.70
          TOTAL      1630.00      1343.49    1676.00        999.00    1136.20     1136.20         1536.80    1959.90       N/A         1770.30       1462.50


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements

3. Horace Mann Companies: Only acceptable if insured is educator or supporting adult educator in household; includes 5% claim free discount




                                                                                 26
                                                                             Example 2

                                                              Driver 1: Single Female, 19
                                                      Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                          Use: Commute - 10 miles one way

                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                          USAA
      Kenai                3   Leader                                                4             5   National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6    F&C       Mutual                           Casualty
                                                                                                       (Safeco)
BI                   428.10      437.11      225.00     148.00      414.00       403.20       236.80      348.60      402.64     382.48           282.00          325.23
PD                               286.28                  96.00      273.00       389.40       228.70       336.70     Included      Included      227.62          237.48
UM/UIM BI              14.00      37.93       25.00      21.00       88.00        59.40        40.40        55.60        38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00        87.00        52.20        72.50         2.20          2.20            3.57        4.94
MED                    27.80      69.78       38.00      20.00       91.00        70.80        39.40        59.00        67.20        63.84         37.85          51.10
COMP                 331.80      202.26      235.00     313.00      102.00        99.90        47.00        76.30       182.00       182.00       217.06          225.67
COLL                 729.40     1068.89      608.00     584.00      637.00      1339.80       675.70     1080.30        482.16       458.08       727.36          880.15
         TOTAL     1533.60     2125.01     1131.00    1187.00     1635.00      2449.50      1320.20      2029.00      1174.20      1126.60       1534.68        1778.90

                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                       USAA
     Kodiak                3   Leader                                                4             5   National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6       F&C       Mutual                        Casualty
                                                                                                       (Safeco)
BI                   440.40      425.30      225.00     148.00      439.00      N/A          N/A         N/A            385.84       366.80       210.50          242.30
PD                               283.45                  96.00      248.00      N/A          N/A          N/A         Included      Included      171.33          178.64
UM/UIM BI              14.00      37.93       25.00      21.00       88.00      N/A          N/A          N/A            38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00      N/A          N/A          N/A             2.20          2.20            4.21        5.83
MED                    27.80      65.22       38.00      20.00       71.00      N/A          N/A          N/A            49.28        46.48         29.86          40.31
COMP                 339.20      191.11      235.00     313.00       99.00      N/A          N/A          N/A           108.64       108.64       198.04          205.87
COLL                 816.10      890.74      608.00     584.00      669.00      N/A          N/A          N/A           405.44       385.28       652.54          789.18
         TOTAL     1640.00     1916.50     1131.00    1187.00     1644.00       N/A          N/A          N/A          989.40        947.40      1305.69        1516.45

                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                          USAA
     Wasilla               3   Leader                                                4             5   National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6    F&C       Mutual                           Casualty
                                                                                                       (Safeco)
BI                   445.00      472.55      393.00     203.00      559.00       489.10       287.30      422.90      655.76     622.72           358.86          414.38
PD                               306.12                 129.00      322.00       462.00       271.40       399.50     Included      Included      284.73          297.18
UM/UIM BI              14.00      37.93       25.00      21.00       88.00        62.60        42.50        58.50        38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00        89.50        53.70        74.50         2.20          2.20            4.21        5.83
MED                    27.80      70.43       45.00      23.00       89.00        74.50        41.50        62.10        98.56        93.52         42.80          57.79
COMP                 353.70      181.56      184.00     223.00      102.00        97.70        46.00        74.70       140.00       140.00       195.05          202.76
COLL                 779.10      979.81      620.00     565.00      556.00      1378.00       695.00     1111.20        444.08       422.24       733.04          887.05
         TOTAL     1622.10     2071.17     1267.00    1170.00     1746.00      2653.40      1437.40      2203.40      1378.60      1318.68       1657.91        1919.31

                                                                                                         First
                  Teachers                 Liberty    Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                          USAA
 Rest of State             3   Leader                                                4             5   National                                 USAA
                  Ins. Co.                 Mutual     politan      sive      America      Illinois             6    F&C       Mutual                           Casualty
                                                                                                       (Safeco)
BI                   440.40      393.79      225.00     148.00      368.00       377.10       221.50      326.00      357.84     339.92           225.77          260.01
PD                               283.45                  96.00      258.00       376.20       221.00       325.30     Included      Included      200.45          209.08
UM/UIM BI              14.00      37.93       25.00      21.00       88.00        54.00        36.70        50.50        38.00        38.00         39.22          54.32
UM/UIM PD               2.50      22.76                   4.00       30.00        90.30        54.20        75.20         2.20          2.20            4.21        5.83
MED                    27.80      65.22       38.00      20.00       67.00        64.40        35.80        53.60        60.48        57.68         32.02          43.24
COMP                 339.20      159.26      235.00     313.00       97.00       102.90        48.40        78.60       142.80       142.80       220.14          228.87
COLL                 816.10      890.74      608.00     584.00      583.00      1391.10       701.60     1121.70        440.72       418.88       762.26          922.58
         TOTAL     1640.00     1853.15     1131.00    1187.00     1491.00      2456.00      1319.20      2030.90      1042.04        999.48      1484.07        1723.93


NOTES:
3. Horace Mann Companies: Only acceptable if insured is educator or supporting adult educator in household; includes 5% claim free discount
4. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide
claims service in these areas.
5. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims
service in these areas.
6. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service
in these areas.




                                                                                 27
                                                                       Example 3

                                                           Driver 1: Single, Male, 25
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                   American
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
     Anchorage     Internat'l   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     141.00      209.64      257.00       195.00      121.60        121.60       179.80      236.00     N/A           318.40      203.70
PD                     141.00      162.23         N/A       119.00      121.70        121.70       208.80      231.40     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     25.00        21.41      29.00        38.50       14.30         14.30        34.20       47.80     N/A            16.50       10.50
COMP                   101.00      103.85      170.00        78.00      154.10        154.10       196.20      283.50     N/A           136.40       94.00
COLL                   334.00      363.87      727.00       279.00      364.70        364.70       654.20      937.50     N/A           505.10      345.20
           TOTAL      775.00       906.96     1205.00       732.00     812.60         812.60      1339.50    1833.40      N/A           992.90     669.90


                   American
     Barrow and                                    1                              Geico          Geico       Geico                 2   Horace     Horace
                   Internat'l   Allstate     Amica       Electric     GEICO                                             Hartford
       Nome                                                                      General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     103.00      145.50      171.00       133.00       84.70         84.70       136.00      167.70     N/A           260.80      185.90
PD                     100.00      109.95         N/A        75.00       82.80         82.80       148.80      160.90     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     22.00        20.47      19.00        25.00       11.70         11.70        27.50       37.50     N/A            16.50       11.30
COMP                   135.00      162.73      243.00        95.00      177.00        177.00       235.60      300.80     N/A           201.10      151.70
COLL                   363.00      421.47      657.00       273.00      394.60        394.60       717.80      975.90     N/A           452.10      361.50
           TOTAL      756.00       906.08     1112.00       623.50     787.00         787.00      1332.00    1740.00      N/A           947.00     726.90


                   American
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
       Bethel      Internat'l   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     103.00      145.50      171.00       133.00       84.70         84.70       136.00      167.70     N/A           260.80      185.90
PD                     100.00      109.95         N/A        75.00       82.80         82.80       148.80      160.90     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     22.00        20.47      19.00        25.00       11.70         11.70        27.50       37.50     N/A            16.50       11.30
COMP                   135.00      162.73      243.00        95.00      177.00        177.00       235.60      300.80     N/A           201.10      151.70
COLL                   363.00      421.47      657.00       273.00      394.60        394.60       717.80      975.90     N/A           452.10      361.50
           TOTAL      756.00       906.08     1112.00       623.50     787.00         787.00      1332.00    1740.00      N/A           947.00     726.90


                   American
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
     Fairbanks     Internat'l   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     100.00      120.59      206.00       133.50       91.90         91.90       136.70      184.00     N/A           282.00      181.80
PD                     121.00      136.09         N/A       108.00       92.80         92.80       177.60      191.50     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     20.00        14.75      21.00        29.00       11.00         11.00        27.00       35.40     N/A            16.10       10.10
COMP                   116.00      130.38      193.00        79.50      168.90        168.90       211.40      300.80     N/A           181.00      124.80
COLL                   346.00      417.61      723.00       279.00      386.50        386.50       687.90      975.90     N/A           447.20      305.50
           TOTAL      736.00       865.38     1165.00       651.50     787.30         787.30      1306.90    1784.80      N/A           942.80     638.70


                   American
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
      Juneau       Internat'l   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                      77.00        90.71     171.00       133.00       65.10         65.10       108.80      145.60     N/A           220.30      156.60
PD                      87.00        96.80        N/A        75.00       64.70         64.70       126.40      144.50     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     14.00        10.95      19.00        25.00        8.50          8.50        19.40       33.10     N/A            16.10       11.00
COMP                    81.00        87.70     243.00        95.00      115.90        115.90       172.00      244.40     N/A           109.30       82.60
COLL                   268.00      306.52      657.00       273.00      292.90        292.90       553.60      820.30     N/A           352.50      252.60
           TOTAL      560.00       638.64     1112.00       623.50     583.30         583.30      1046.50    1485.10      N/A           714.70     519.30


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                 28
                                                                              Example 3

                                                                Driver 1: Single, Male, 25
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Anchorage                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   273.50      348.00      271.00       96.00     282.00        288.00       151.60      242.50      339.59     322.48            181.40       189.37
PD                               250.00                   44.00     179.00        305.80       161.00      257.60      Included      Included       145.01       137.36
UM/UIM BI              14.00       55.00       25.00      15.00       88.00        38.50        22.40        35.30        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       33.00                   3.00       30.00        56.40        30.50        46.30         2.20          2.20         3.70           5.12
MED                    14.20       61.00       31.00      11.00       61.00        45.80        21.80        37.50        51.04         48.43        21.04          25.65
COMP                 117.30      192.00      127.00     130.00        91.00        88.80        40.60        68.90        72.50         72.50        88.55          83.59
COLL                 434.40      851.00      426.00     262.00      367.00        868.40       394.70      690.70        229.97       218.66        349.64       381.83
          TOTAL      855.90     1790.00      880.00     563.00     1098.00      1691.70        822.60     1378.80       733.30        702.27       823.80       870.64

                                                                                                          First
     Barrow and   Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
                               Leader                                                 3             4   National                                  USAA
       Nome       Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   224.50      240.00      198.00       84.00     182.00      N/A           N/A         N/A            185.31       176.03        115.54       120.42
PD                               172.41                   38.00     127.00      N/A           N/A          N/A         Included      Included        93.37          88.64
UM/UIM BI              14.00       37.93       25.00      15.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                    14.20       53.04       22.00       9.00       44.00     N/A           N/A          N/A            31.32         29.87        15.58          18.99
COMP                 172.90      177.78      133.00     166.00      117.00      N/A           N/A          N/A            73.95         73.95        97.74          92.23
COLL                 416.10      787.96      432.00     254.00      405.00      N/A           N/A          N/A           228.23       216.92        354.57       387.23
          TOTAL      844.20     1491.89      810.00     572.00      993.00      N/A           N/A          N/A          559.01        536.97       714.97       760.36

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
       Bethel                  Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   224.50      240.00      155.00       71.00     182.00      N/A           N/A         N/A            185.31       176.03        115.54       120.42
PD                               172.41                   32.00     127.00      N/A           N/A          N/A         Included      Included        93.37          88.64
UM/UIM BI              14.00       37.93       25.00      15.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                    14.20       53.04       26.00       9.00       44.00     N/A           N/A          N/A            31.32         29.87        15.58          18.99
COMP                 172.90      177.78      162.00     182.00      117.00      N/A           N/A          N/A            73.95         73.95        97.74          92.23
COLL                 416.10      787.96      418.00     272.00      405.00      N/A           N/A          N/A           228.23       216.92        354.57       387.23
          TOTAL      844.20     1491.89      786.00     585.00      993.00      N/A           N/A          N/A          559.01        536.97       714.97       760.36

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Fairbanks                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   242.70      264.00      198.00       84.00     190.00        222.00       116.80      187.00      233.45     221.56            116.10       121.01
PD                               186.21                   38.00     151.00        224.50       118.20      189.10      Included      Included       107.20       101.68
UM/UIM BI              14.00       41.72       25.00      15.00       88.00        29.70        17.30        27.30        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       25.03                   3.00       30.00        61.10        33.00        50.20         2.20          2.20         3.70           5.12
MED                    13.80       49.86       22.00       9.00       42.00        35.40        16.90        29.00        30.45         29.00        14.55          17.73
COMP                 155.60      208.00      133.00     166.00      124.00        100.50        45.90        78.00        85.55         85.55        97.50          92.00
COLL                 384.60      819.48      432.00     254.00      427.00        940.70       427.60      748.30        246.21       233.74        349.12       381.25
          TOTAL      813.20     1594.31      810.00     572.00     1052.00      1613.90        775.70     1308.90       635.86        610.05       722.62       766.52

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Juneau                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   189.30      230.40      155.00       65.00     167.00        200.00       105.30      168.40      199.81     189.95             95.51          99.45
PD                               151.72                   30.00     101.00        176.80        93.00      148.90      Included      Included        85.03          80.77
UM/UIM BI              14.00       37.93       25.00      15.00       88.00        26.50        15.40        24.40        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        52.20        28.20        42.90         2.20          2.20         3.70           5.12
MED                    13.80       45.09       22.00       8.00       34.00        31.60        15.00        25.90        25.52         24.07        12.23          14.90
COMP                   94.10     168.89      132.00     117.00        85.00        78.00        35.60        60.50        56.26         56.26        74.34          70.23
COLL                 290.60      827.36      412.00     189.00      330.00        804.20       365.60      639.70        209.96       199.52        275.11       300.03
          TOTAL      604.30     1484.15      746.00     432.00      835.00      1369.30        658.10     1110.70       531.75        510.00       580.38       618.25


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.



                                                                                 29
                                                                       Example 3

                                                           Driver 1: Single, Male, 25
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                  American
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
      Kenai       Internat'l    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     103.00      145.50      171.00       133.00       84.70         84.70       136.00      167.70     N/A           253.70      165.30
PD                     100.00      109.95         N/A        75.00       82.80         82.80       148.80      160.90     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     22.00        20.47      19.00        25.00       11.70         11.70        27.50       37.50     N/A            16.50       10.50
COMP                   135.00      162.73      243.00        95.00      177.00        177.00       235.60      300.80     N/A           196.80      135.60
COLL                   363.00      421.47      657.00       273.00      394.60        394.60       717.80      975.90     N/A           461.80      295.50
          TOTAL       756.00       906.08     1112.00       623.50     787.00         787.00      1332.00    1740.00      N/A           945.30     623.40


                  American
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
      Kodiak      Internat'l    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     103.00      145.50      171.00       133.00       84.70         84.70       136.00      167.70     N/A           260.80      185.90
PD                     100.00      109.95         N/A        75.00       82.80         82.80       148.80      160.90     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     22.00        20.47      19.00        25.00       11.70         11.70        27.50       37.50     N/A            16.50       11.30
COMP                   135.00      162.73      243.00        95.00      177.00        177.00       235.60      300.80     N/A           201.10      151.70
COLL                   363.00      421.47      657.00       273.00      394.60        394.60       717.80      975.90     N/A           452.10      361.50
          TOTAL       756.00       906.08     1112.00       623.50     787.00         787.00      1332.00    1740.00      N/A           947.00     726.90


                  American
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
     Wasilla      Internat'l    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     141.00      145.50      171.00       133.00       84.70         84.70       136.00      167.70     N/A           263.90      171.90
PD                     141.00      109.95         N/A        75.00       82.80         82.80       148.80      160.90     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     25.00        20.47      19.00        25.00       11.70         11.70        27.50       37.50     N/A            16.50       10.50
COMP                   101.00      162.73      243.00        95.00      177.00        177.00       235.60      300.80     N/A           209.70      144.70
COLL                   334.00      421.47      657.00       273.00      394.60        394.60       717.80      975.90     N/A           483.70      315.60
          TOTAL       775.00       906.08     1112.00       623.50     787.00         787.00      1332.00    1740.00      N/A           990.30     659.20


                  American
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
 Rest of State    Internat'l    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     103.00      145.50      171.00       133.00       84.70         84.70       136.00      167.70     N/A           260.80      185.90
PD                     100.00      109.95         N/A        75.00       82.80         82.80       148.80      160.90     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     22.00        20.47      19.00        25.00       11.70         11.70        27.50       37.50     N/A            16.50       11.30
COMP                   135.00      162.73      243.00        95.00      177.00        177.00       235.60      300.80     N/A           201.10      151.70
COLL                   363.00      421.47      657.00       273.00      394.60        394.60       717.80      975.90     N/A           452.10      361.50
          TOTAL       756.00       906.08     1112.00       623.50     787.00         787.00      1332.00    1740.00      N/A           947.00     726.90


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                 30
                                                                              Example 3

                                                                Driver 1: Single, Male, 25
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Kenai                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   218.20      266.40      155.00       71.00     204.00        216.00       113.70      181.90      208.51     198.07            137.58       143.49
PD                               174.14                   32.00     135.00        208.60       109.80      175.70      Included      Included       111.18       105.44
UM/UIM BI              14.00       37.93       25.00      15.00       88.00        35.00        20.40        32.20        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        54.80        29.60        45.00         2.20          2.20         3.06           4.24
MED                    14.20       56.76       26.00       9.00       60.00        41.70        19.90        34.20        34.80         33.06        18.08          22.03
COMP                 169.10      225.78      162.00     182.00      123.00        106.00        48.40        82.30        94.25         94.25       101.86          96.10
COLL                 371.80      945.56      418.00     272.00      442.00        844.20       383.70      671.50        249.69       237.22        349.12       381.25
         TOTAL       789.80     1729.32      786.00     585.00     1082.00      1506.30        725.50     1222.80       627.45        602.80       755.33       800.28

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
     Kodiak                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   224.50      259.20      155.00       71.00     216.00      N/A           N/A         N/A            199.81       189.95        104.27       108.62
PD                               172.41                   32.00     122.00      N/A           N/A          N/A         Included      Included        84.95          80.69
UM/UIM BI              14.00       37.93       25.00      15.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                    14.20       53.04       26.00       9.00       47.00     N/A           N/A          N/A            25.52         24.07        14.26          17.38
COMP                 172.90      213.33      162.00     182.00      119.00      N/A           N/A          N/A            56.26         56.26        93.25          88.00
COLL                 416.10      787.96      418.00     272.00      465.00      N/A           N/A          N/A           209.96       199.52        314.26       343.00
         TOTAL       844.20     1546.64      786.00     585.00     1087.00      N/A           N/A          N/A          531.75        510.00       649.15       690.55

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Wasilla                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   226.80      288.00      271.00       96.00     276.00        262.00       137.90      220.60      339.59     322.48            173.38       180.98
PD                               186.21                   44.00     159.00        247.50       130.30      208.40      Included      Included       137.78       130.54
UM/UIM BI              14.00       37.93       25.00      15.00       88.00        36.90        21.40        33.90        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        56.40        30.50        46.30         2.20          2.20         3.70           5.12
MED                    14.20       57.29       31.00      11.00       59.00        43.90        20.90        36.00        51.04         48.43        20.44          24.92
COMP                 180.30      202.67      127.00     130.00      123.00        103.70        47.30        80.50        72.50         72.50        91.89          86.73
COLL                 397.20      866.76      426.00     262.00      386.00        868.40       394.70      690.70        229.97       218.66        351.76       384.15
         TOTAL       835.00     1661.61      880.00     563.00     1121.00      1618.80        783.00     1316.40       733.30        702.27       813.42       860.17

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
 Rest of State                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   224.50      240.00      155.00       71.00     182.00        202.00       106.30      170.10      185.31     176.03            111.38       116.07
PD                               172.41                   32.00     127.00        201.50       106.10      169.70      Included      Included        98.52          93.49
UM/UIM BI              14.00       37.93       25.00      15.00       88.00        31.80        18.50        29.20        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        56.90        30.80        46.80         2.20          2.20         3.70           5.12
MED                    14.20       53.04       26.00       9.00       44.00        37.90        18.10        31.10        31.32         29.87        15.30          18.64
COMP                 172.90      177.78      162.00     182.00      117.00        109.10        49.80        84.70        73.95         73.95       103.26          97.41
COLL                 416.10      787.96      418.00     272.00      405.00        876.60       398.50      697.30        228.23       216.92        365.37       399.09
         TOTAL       844.20     1491.89      786.00     585.00      993.00      1515.80        728.10     1228.90       559.01        536.97       731.99       777.55


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.




                                                                                 31
                                                                       Example 4

                                                          Driver 1: Single, Female, 40
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                    National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
     Anchorage     Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                      90.00      167.42      152.00       134.00       83.70         83.70       123.10      199.70     N/A           244.80      156.80
PD                      90.00      129.56         N/A        82.00       83.70         83.70       142.90      195.80     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     16.00        28.94      17.00        26.50        9.80          9.80        33.50       55.00     N/A            12.70        8.10
COMP                    66.00        67.30     107.00        53.50       83.30         83.30       128.30      218.10     N/A           104.90       72.30
COLL                   214.00      220.23      412.00       192.00      250.80        250.80       401.60      687.50     N/A           388.60      265.50
           TOTAL       509.00      659.41      710.00       510.50     547.50         547.50       895.70    1453.30      N/A           767.50     519.20


                    National
     Barrow and                                    1                              Geico          Geico       Geico                 2   Horace     Horace
                   Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
       Nome                                                                      General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                      66.00      116.20      105.00        91.50       58.20         58.20        93.10      141.90     N/A           200.60      143.00
PD                      65.00        87.81        N/A        51.50       56.90         56.90       101.90      136.20     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     15.00        27.67      10.00        17.00        8.10          8.10        27.00       43.10     N/A            12.70        8.70
COMP                    86.00      105.44      151.00        65.00       95.60         95.60       154.10      231.40     N/A           154.70      116.70
COLL                   233.00      255.11      373.00       188.00      271.30        271.30       440.60      715.70     N/A           347.80      278.10
           TOTAL       498.00      638.19      661.00       435.50     526.30         526.30       883.00    1365.50      N/A           732.30     563.00


                    National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
       Bethel      Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                      66.00      116.20      105.00        91.50       58.20         58.20        93.10      141.90     N/A           200.60      143.00
PD                      65.00        87.81        N/A        51.50       56.90         56.90       101.90      136.20     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     15.00        27.67      10.00        17.00        8.10          8.10        27.00       43.10     N/A            12.70        8.70
COMP                    86.00      105.44      151.00        65.00       95.60         95.60       154.10      231.40     N/A           154.70      116.70
COLL                   233.00      255.11      373.00       188.00      271.30        271.30       440.60      715.70     N/A           347.80      278.10
           TOTAL       498.00      638.19      661.00       435.50     526.30         526.30       883.00    1365.50      N/A           732.30     563.00


                    National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
     Fairbanks     Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                      65.00        96.31     125.00        92.00       63.20         63.20        93.60      155.70     N/A           217.00      139.90
PD                      78.00      108.68         N/A        74.50       63.80         63.80       121.60      162.10     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     12.00        19.94      12.00        20.00        7.60          7.60        26.50       40.80     N/A            12.40        7.70
COMP                    75.00        84.48     121.00        54.50       91.20         91.20       138.30      231.40     N/A           139.20       96.00
COLL                   222.00      252.77      410.00       192.00      265.70        265.70       422.30      715.70     N/A           344.00      235.00
           TOTAL       485.00      608.14      690.00       455.50     527.70         527.70       868.60    1402.90      N/A           729.10     495.10


                    National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
      Juneau       Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                      49.00        72.44     105.00        91.50       44.80         44.80        74.50      123.20     N/A           169.40      120.40
PD                      56.00        77.30        N/A        51.50       44.50         44.50        86.60      122.30     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                      9.00        14.80      10.00        17.00        5.80          5.80        19.00       38.10     N/A            12.40        8.60
COMP                    52.00        56.83     151.00        65.00       62.60         62.60       112.50      188.00     N/A            84.10       63.50
COLL                   172.00      185.54      373.00       188.00      201.40        201.40       339.80      601.60     N/A           271.10      194.30
           TOTAL       371.00      452.87      661.00       435.50     395.30         395.30       698.70    1170.40      N/A           553.50     403.30


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                 32
                                                                              Example 4

                                                               Driver 1: Single, Female, 40
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Anchorage                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   210.40      336.00      159.00       71.00     262.00        276.00       145.30      232.40      281.04     266.88            147.44       155.19
PD                               242.00                   47.00     166.00        293.10       154.30      246.80      Included      Included       117.93       112.79
UM/UIM BI              14.00       55.00       25.00      14.00       88.00        61.20        35.60        56.20        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       33.00                   3.00       30.00        46.60        25.20        38.30         2.20          2.20         3.70           5.12
MED                    10.90       74.00       18.00       9.00       88.00        72.90        34.70        59.70        42.24         40.08        16.84          20.72
COMP                   90.20     153.00        75.00      90.00       64.00        65.20        29.80        50.60        60.00         60.00        72.14          68.76
COLL                 334.20      597.00      251.00     196.00      282.00        717.30       326.10      570.60        190.32       180.96        283.57       312.10
          TOTAL      662.20     1490.00      528.00     432.00      980.00      1532.30        751.00     1254.60       613.80        588.12       676.07       722.42

                                                                                                          First
     Barrow and   Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
                               Leader                                                 3             4   National                                  USAA
       Nome       Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   172.70      231.72      116.00       62.00     169.00      N/A           N/A         N/A            153.36       145.68         94.76          99.50
PD                               166.90                   41.00     118.00      N/A           N/A          N/A         Included      Included        76.62          73.44
UM/UIM BI              14.00       37.93       25.00      14.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                    10.90       64.35       13.00       7.00       64.00     N/A           N/A          N/A            25.92         24.72        12.46          15.34
COMP                 133.00      141.67        78.00    115.00        82.00     N/A           N/A          N/A            61.20         61.20        79.49          75.74
COLL                 320.10      552.78      254.00     190.00      311.00      N/A           N/A          N/A           188.88       179.52        287.50       316.46
          TOTAL      653.20     1218.10      486.00     435.00      862.00      N/A           N/A          N/A          469.56        451.32       589.01       633.34

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
       Bethel                  Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   172.70      231.72        91.00      52.00     169.00      N/A           N/A         N/A            153.36       145.68         94.76          99.50
PD                               166.90                   35.00     118.00      N/A           N/A          N/A         Included      Included        76.62          73.44
UM/UIM BI              14.00       37.93       25.00      14.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                    10.90       64.35       15.00       7.00       64.00     N/A           N/A          N/A            25.92         24.72        12.46          15.34
COMP                 133.00      141.67        95.00    126.00        82.00     N/A           N/A          N/A            61.20         61.20        79.49          75.74
COLL                 320.10      552.78      246.00     203.00      311.00      N/A           N/A          N/A           188.88       179.52        287.50       316.46
          TOTAL      653.20     1218.10      472.00     441.00      862.00      N/A           N/A          N/A          469.56        451.32       589.01       633.34

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Fairbanks                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   186.80      254.90      116.00       62.00     177.00        212.80       112.00      179.20      193.20     183.36             95.21          99.97
PD                               180.25                   41.00     141.00        215.20       113.20      181.20      Included      Included        87.68          83.98
UM/UIM BI              14.00       41.72       25.00      14.00       88.00        47.30        27.50        43.40        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       25.03                   3.00       30.00        50.50        27.30        41.50         2.20          2.20         3.70           5.12
MED                    10.50       60.49       13.00       7.00       60.00        56.30        26.80        46.10        25.20         24.00        11.64          14.32
COMP                 119.70      165.75        78.00    115.00        87.00        73.70        33.70        57.20        70.80         70.80        79.30          75.55
COLL                 295.80      574.89      254.00     190.00      328.00        777.10       353.20      618.20        203.76       193.44        283.14       311.63
          TOTAL      629.30     1303.03      486.00     435.00      911.00      1432.90        693.70     1166.80       533.16        511.80       595.13       638.31

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Juneau                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   145.60      222.46        91.00      47.00     156.00        191.70       100.90      161.40      165.36     157.20             78.73          82.56
PD                               146.87                   31.00       94.00       169.40        89.20      142.70      Included      Included        69.95          67.09
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        42.20        24.50        38.80        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        43.10        23.30        35.40         2.20          2.20         3.70           5.12
MED                    10.50       54.70       13.00       7.00       49.00        50.30        23.90        41.20        21.12         19.92         9.78          12.04
COMP                   72.40     134.58        78.00      81.00       60.00        57.20        26.10        44.40        46.56         46.56        60.77          57.98
COLL                 223.50      580.42      242.00     141.00      253.00        664.40       302.00      528.50        173.76       165.12        223.94       246.03
          TOTAL      468.50     1199.71      449.00     329.00      730.00      1218.30        589.90      992.40       447.00        429.00       481.33       518.56


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.



                                                                                 33
                                                                       Example 4

                                                          Driver 1: Single, Female, 40
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                   National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
      Kenai       Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      66.00      116.20      105.00        91.50       58.20         58.20        93.10      141.90     N/A           195.20      127.10
PD                      65.00        87.81        N/A        51.50       56.90         56.90       101.90      136.20     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     15.00        27.67      10.00        17.00        8.10          8.10        27.00       43.10     N/A            12.70        8.10
COMP                    86.00      105.44      151.00        65.00       95.60         95.60       154.10      231.40     N/A           151.40      104.30
COLL                   233.00      255.11      373.00       188.00      271.30        271.30       440.60      715.70     N/A           355.20      227.30
          TOTAL       498.00       638.19      661.00       435.50     526.30         526.30       883.00    1365.50      N/A           731.00     483.30


                   National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
      Kodiak      Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      66.00      116.20      105.00        91.50       58.20         58.20        93.10      141.90     N/A           200.60      143.00
PD                      65.00        87.81        N/A        51.50       56.90         56.90       101.90      136.20     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     15.00        27.67      10.00        17.00        8.10          8.10        27.00       43.10     N/A            12.70        8.70
COMP                    86.00      105.44      151.00        65.00       95.60         95.60       154.10      231.40     N/A           154.70      116.70
COLL                   233.00      255.11      373.00       188.00      271.30        271.30       440.60      715.70     N/A           347.80      278.10
          TOTAL       498.00       638.19      661.00       435.50     526.30         526.30       883.00    1365.50      N/A           732.30     563.00


                   National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
     Wasilla      Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      90.00      116.20      105.00        91.50       58.20         58.20        93.10      141.90     N/A           203.00      132.20
PD                      90.00        87.81        N/A        51.50       56.90         56.90       101.90      136.20     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     16.00        27.67      10.00        17.00        8.10          8.10        27.00       43.10     N/A            12.70        8.10
COMP                    66.00      105.44      151.00        65.00       95.60         95.60       154.10      231.40     N/A           161.30      111.30
COLL                   214.00      255.11      373.00       188.00      271.30        271.30       440.60      715.70     N/A           372.10      242.70
          TOTAL       509.00       638.19      661.00       435.50     526.30         526.30       883.00    1365.50      N/A           765.60     510.80


                   National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
 Rest of State    Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      66.00      116.20      105.00        91.50       58.20         58.20        93.10      141.90     N/A           200.60      143.00
PD                      65.00        87.81        N/A        51.50       56.90         56.90       101.90      136.20     N/A
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70     N/A            14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     N/A             2.50        2.50
MED                     15.00        27.67      10.00        17.00        8.10          8.10        27.00       43.10     N/A            12.70        8.70
COMP                    86.00      105.44      151.00        65.00       95.60         95.60       154.10      231.40     N/A           154.70      116.70
COLL                   233.00      255.11      373.00       188.00      271.30        271.30       440.60      715.70     N/A           347.80      278.10
          TOTAL       498.00       638.19      661.00       435.50     526.30         526.30       883.00    1365.50      N/A           732.30     563.00


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                 34
                                                                              Example 4

                                                               Driver 1: Single, Female, 40
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Kenai                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   167.80      257.21        91.00      52.00     190.00        207.00       109.00      174.30      172.56     163.92            112.39       118.13
PD                               168.57                   35.00     125.00        199.90       105.20      168.40      Included      Included        90.87          87.01
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        55.70        32.40        51.20        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        45.30        24.50        37.20         2.20          2.20         3.06           4.24
MED                    10.90       68.85       11.00       7.00       87.00        66.40        31.60        54.40        28.80         27.36        14.46          17.79
COMP                 130.10      179.92        95.00    126.00        87.00        77.80        35.50        60.40        78.00         78.00        82.79          78.87
COLL                 286.00      663.33      246.00     203.00      340.00        697.40       317.00      554.80        206.64       196.32        283.14       311.63
         TOTAL       611.30     1398.57      472.00     441.00      947.00      1349.50        655.20     1100.70       526.20        505.80       621.17       665.41

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
     Kodiak                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   172.70      250.26        91.00      52.00     202.00      N/A           N/A         N/A            165.36       157.20         85.74          89.97
PD                               166.90                   35.00     114.00      N/A           N/A          N/A         Included      Included        69.89          67.03
UM/UIM BI              14.00       37.93       25.00      14.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                    10.90       64.35       11.00       7.00       68.00     N/A           N/A          N/A            21.12         19.92        11.41          14.04
COMP                 133.00      170.00        95.00    126.00        84.00     N/A           N/A          N/A            46.56         46.56        75.90          72.33
COLL                 320.10      552.78      246.00     203.00      357.00      N/A           N/A          N/A           173.76       165.12        255.26       280.74
         TOTAL       653.20     1264.97      472.00     441.00      943.00      N/A           N/A          N/A          447.00        429.00       536.35       576.95

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Wasilla                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   174.50      278.07      154.00       71.00     257.00        251.10       132.20      211.40      281.04     266.88            141.03       148.41
PD                               180.25                   47.00     148.00        237.20       124.80      199.70      Included      Included       112.15       107.28
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        58.70        34.10        53.90        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        46.60        25.20        38.30         2.20          2.20         3.70           5.12
MED                    10.90       69.50       13.00       9.00       85.00        69.90        33.30        57.20        42.24         40.08        16.35          20.12
COMP                 138.70      161.50        75.00      90.00       87.00        76.10        34.70        59.00        60.00         60.00        74.81          71.30
COLL                 305.50      608.06      251.00     196.00      297.00        717.30       326.10      570.60        190.32       180.96        285.26       313.98
         TOTAL       646.10     1358.06      528.00     432.00      992.00      1456.90        710.40     1190.10       613.80        588.12       667.77       713.95

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
 Rest of State                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   172.70      231.72        91.00      52.00     169.00        193.60       101.90      163.00      153.36     145.68             91.43          95.98
PD                               166.90                   35.00     118.00        193.10       101.70      162.60      Included      Included        80.74          77.37
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        50.60        29.40        46.50        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        47.00        25.40        38.60         2.20          2.20         3.70           5.12
MED                    10.90       64.35       11.00       7.00       64.00        60.30        28.70        49.40        25.92         24.72        12.24          15.06
COMP                 133.00      141.67        95.00    126.00        82.00        80.10        36.60        62.20        61.20         61.20        83.91          79.92
COLL                 320.10      552.78      246.00     203.00      311.00        724.10       329.20      576.00        188.88       179.52        296.15       326.04
         TOTAL       653.20     1218.10      472.00     441.00      862.00      1348.80        652.90     1098.30       469.56        451.32       602.62       647.23


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.




                                                                                 35
                                                                       Example 5

                                                           Driver 1: Single, Male, 50
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                    National
                                                   1                              Geico          Geico       Geico                  Horace     Horace
     Anchorage     Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                Mann      Mann P&C
                     (AIG)
BI                      84.00      158.69      152.00       110.00       74.20         74.20       111.70      172.50       56.94    220.40      141.10
PD                      84.00      122.81         N/A        67.00       74.20         74.20       129.70      169.10       71.54
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50     14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50   Included       2.50        2.50
MED                     15.00        20.38      17.00        21.50        8.70          8.70        27.60       45.50       17.16     11.40        7.20
COMP                    60.00        57.75     107.00        44.00       73.80         73.80       128.30      218.10       72.65     94.40       65.10
COLL                   198.00      208.74      412.00       157.00      222.30        222.30       364.40      593.80      261.18    349.70      239.00
           TOTAL       474.00      614.33      710.00       422.00     489.40         489.40       828.00    1296.20       499.96    692.40     468.90


                    National
     Barrow and                                    1                              Geico          Geico       Geico                  Horace     Horace
                   Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
       Nome                                                                      General       Indemnity    Casualty                Mann      Mann P&C
                     (AIG)
BI                      61.00      110.13      105.00        74.50       51.60         51.60        84.50      122.60       45.63    180.60      128.80
PD                      59.00        83.23        N/A        42.50       50.50         50.50        92.40      117.60       56.58
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50     14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50   Included       2.50        2.50
MED                     13.00        19.48      10.00        14.00        7.20          7.20        22.30       35.60       13.87     11.40        7.90
COMP                    80.00        90.51     151.00        53.50       84.70         84.70       154.10      231.40       99.37    139.20      105.00
COLL                   215.00      241.79      373.00       153.50      240.50        240.50       399.80      618.10      263.38    313.00      250.20
           TOTAL       461.00      591.10      661.00       360.50     470.70         470.70       819.40    1222.50       499.32    660.70     508.40


                    National
                                                   1                              Geico          Geico       Geico                  Horace     Horace
       Bethel      Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                Mann      Mann P&C
                     (AIG)
BI                      61.00      110.13      105.00        74.50       51.60         51.60        84.50      122.60       48.18    180.60      128.80
PD                      59.00        83.23        N/A        42.50       50.50         50.50        92.40      117.60       51.47
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50     14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50   Included       2.50        2.50
MED                     13.00        19.48      10.00        14.00        7.20          7.20        22.30       35.60       16.43     11.40        7.90
COMP                    80.00        90.51     151.00        53.50       84.70         84.70       154.10      231.40       94.36    139.20      105.00
COLL                   215.00      241.79      373.00       153.50      240.50        240.50       399.80      618.10      246.30    313.00      250.20
           TOTAL       461.00      591.10      661.00       360.50     470.70         470.70       819.40    1222.50       477.23    660.70     508.40


                    National
                                                   1                              Geico          Geico       Geico                  Horace     Horace
     Fairbanks     Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                Mann      Mann P&C
                     (AIG)
BI                      60.00        91.28     125.00        75.00       56.00         56.00        84.90      134.50       45.63    195.30      125.80
PD                      72.00      103.01         N/A        61.00       56.60         56.60       110.30      140.00       56.58
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50     14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50   Included       2.50        2.50
MED                     12.00        14.04      12.00        16.50        6.80          6.80        21.90       33.70       13.87     11.10        6.90
COMP                    69.00        72.50     121.00        44.50       80.90         80.90       138.30      231.40       99.37    125.30       86.40
COLL                   205.00      239.57      410.00       157.00      235.60        235.60       383.10      618.10      263.38    309.60      211.60
           TOTAL       451.00      566.36      690.00       376.50     472.10         472.10       804.80    1254.90       499.32    657.80     447.20


                    National
                                                   1                              Geico          Geico       Geico                  Horace     Horace
      Juneau       Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                Mann      Mann P&C
                     (AIG)
BI                      46.00        68.66     105.00        74.50       39.70         39.70         0.00      106.40       37.23    152.30      108.40
PD                      52.00        73.27        N/A        42.50       39.40         39.40         0.00      105.60       45.63
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70         0.00       67.70       20.50     14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50         0.00       29.50   Included       2.50        2.50
MED                      8.00        10.42      10.00        14.00        5.20          5.20         0.00       31.50       10.59     11.10        7.70
COMP                    48.00        48.75     151.00        53.50       55.50         55.50         0.00      188.00       64.30     75.70       57.20
COLL                   159.00      175.85      373.00       153.50      178.50        178.50         0.00      519.60      217.10    244.10      174.90
           TOTAL       346.00      422.91      661.00       360.50     354.50         354.50         0.00    1048.30       395.33    499.70     364.70


NOTES:

1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages




                                                                                 36
                                                                              Example 5

                                                                Driver 1: Single, Male, 50
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Anchorage                 Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   189.50      281.00      144.00       71.00     240.00        247.20       133.90      214.20      245.91     233.52            117.56       118.27
PD                               202.00                   47.00     152.00        262.50       142.20      227.50      Included      Included        94.10          86.26
UM/UIM BI              14.00       55.00       25.00      14.00       88.00        38.50        22.70        35.30        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       33.00                   3.00       30.00        43.30        23.90        35.60         2.20          2.20         3.70           5.12
MED                     9.90       63.00       17.00       9.00       58.00        45.80        22.20        37.50        36.96         35.07        13.13          15.39
COMP                   81.20     151.00        68.00      90.00       60.00        61.30        28.00        47.60        52.50         52.50        57.70          52.75
COLL                 300.80      569.00      227.00     196.00      280.00        667.00       308.90      530.60        166.53       158.34        225.42       236.80
          TOTAL      597.90     1354.00      481.00     432.00      908.00      1365.60        681.80     1128.30       542.10        519.63       546.07       562.33

                                                                                                          First
     Barrow and   Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
                               Leader                                                 2             3   National                                  USAA
       Nome       Ins. Co.                 Mutual      politan      sive      America      Illinois             4       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   155.50      193.79      105.00       62.00     155.00      N/A           N/A         N/A            134.19       127.47         76.47          76.90
PD                               139.31                   41.00     108.00      N/A           N/A          N/A         Included      Included        61.88          57.03
UM/UIM BI              14.00       37.93       25.00      14.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                     9.90       54.78       12.00       7.00       43.00     N/A           N/A          N/A            22.68         21.63         9.72          11.39
COMP                 119.70      139.81        71.00    115.00        78.00     N/A           N/A          N/A            53.55         53.55        63.44          57.94
COLL                 288.00      526.85      230.00     190.00      308.00      N/A           N/A          N/A           165.27       157.08        228.49       240.04
          TOTAL      589.60     1115.24      443.00     435.00      810.00      N/A           N/A          N/A          415.89        399.93       478.16       496.16

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
       Bethel                  Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   155.50      193.79        82.00      52.00     155.00      N/A           N/A         N/A            134.19       127.47         76.47          76.90
PD                               139.31                   35.00     108.00      N/A           N/A          N/A         Included      Included        61.88          57.03
UM/UIM BI              14.00       37.93       25.00      14.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                     9.90       54.78       13.00       7.00       43.00     N/A           N/A          N/A            22.68         21.63         9.72          11.39
COMP                 119.70      139.81        86.00    126.00        78.00     N/A           N/A          N/A            53.55         53.55        63.44          57.94
COLL                 288.00      526.85      222.00     203.00      308.00      N/A           N/A          N/A           165.27       157.08        228.49       240.04
          TOTAL      589.60     1115.24      428.00     441.00      810.00      N/A           N/A          N/A          415.89        399.93       478.16       496.16

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Fairbanks                 Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   168.10      213.17      105.00       62.00     162.00        190.60       103.20      165.10      169.05     160.44             76.82          77.26
PD                               150.46                   41.00     129.00        192.70       104.40      167.00      Included      Included        70.51          64.86
UM/UIM BI              14.00       41.72       25.00      14.00       88.00        29.70        17.50        27.30        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       25.03                   3.00       30.00        46.90        25.80        38.60         2.20          2.20         3.70           5.12
MED                     9.50       51.50       12.00       7.00       40.00        35.40        17.10        29.00        22.05         21.00         9.08          10.64
COMP                 107.70      163.58        71.00    115.00        82.00        69.40        31.70        53.90        61.95         61.95        63.28          57.80
COLL                 266.30      547.93      230.00     190.00      326.00        722.60       334.60      574.80        178.29       169.26        225.09       236.45
          TOTAL      568.10     1193.39      443.00     435.00      857.00      1287.30        634.30     1055.70       471.54        452.85       482.94       499.85

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Juneau                   Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   131.10      186.04        82.00      47.00     143.00        171.70        93.00      148.80      144.69     137.55             63.97          64.32
PD                               122.59                   31.00       86.00       151.70        82.20      131.50      Included      Included        56.68          52.31
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        26.50        15.70        24.40        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        40.10        22.10        32.90         2.20          2.20         3.70           5.12
MED                     9.50       46.57       12.00       7.00       33.00        31.60        15.30        25.90        18.48         17.43         7.63           8.94
COMP                   65.20     132.82        70.00      81.00       56.00        53.80        24.60        41.80        40.74         40.74        48.83          44.74
COLL                 201.20      553.19      219.00     141.00      251.00        617.70       286.10      491.40        152.04       144.48        178.91       187.72
          TOTAL      423.50     1101.91      408.00     329.00      687.00      1093.10        539.00      896.70       396.15        380.40       394.18       410.89


NOTES:
2. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
3. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
4. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.



                                                                                 37
                                                                       Example 5

                                                           Driver 1: Single, Male, 50
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                   National
                                                   1                              Geico          Geico       Geico                     Horace     Horace
      Kenai       Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      61.00      110.13      105.00        74.50       51.60         51.60        84.50      122.60        48.18      175.50      114.40
PD                      59.00        83.23        N/A        42.50       50.50         50.50        92.40      117.60        51.47
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70        20.50       14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50   Included          2.50        2.50
MED                     13.00        19.48      10.00        14.00        7.20          7.20        22.30       35.60        16.43       11.40        7.20
COMP                    80.00        90.51     151.00        53.50       84.70         84.70       154.10      231.40        94.36      136.30       93.90
COLL                   215.00      241.79      373.00       153.50      240.50        240.50       399.80      618.10       246.30      319.70      204.60
          TOTAL       461.00       591.10      661.00       360.50     470.70         470.70       819.40    1222.50       477.23       659.40     436.60


                   National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
      Kodiak      Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      61.00      110.13      105.00        74.50       51.60         51.60        84.50      122.60        48.18      180.60      128.80
PD                      59.00        83.23        N/A        42.50       50.50         50.50        92.40      117.60        51.47
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70        20.50       14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50   Included          2.50        2.50
MED                     13.00        19.48      10.00        14.00        7.20          7.20        22.30       35.60        16.43       11.40        7.90
COMP                    80.00        90.51     151.00        53.50       84.70         84.70       154.10      231.40        94.36      139.20      105.00
COLL                   215.00      241.79      373.00       153.50      240.50        240.50       399.80      618.10       246.30      313.00      250.20
          TOTAL       461.00       591.10      661.00       360.50     470.70         470.70       819.40    1222.50       477.23       660.70     508.40


                   National
                                                   1                              Geico          Geico       Geico                     Horace     Horace
     Wasilla      Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      84.00      110.13      105.00        74.50       51.60         51.60        84.50      122.60        56.94      182.70      128.80
PD                      84.00        83.23        N/A        42.50       50.50         50.50        92.40      117.60        71.54
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70        20.50       14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50   Included          2.50        2.50
MED                     15.00        19.48      10.00        14.00        7.20          7.20        22.30       35.60        17.16       11.40        7.90
COMP                    60.00        90.51     151.00        53.50       84.70         84.70       154.10      231.40        72.65      145.20      105.00
COLL                   198.00      241.79      373.00       153.50      240.50        240.50       399.80      618.10       261.18      334.90      250.20
          TOTAL       474.00       591.10      661.00       360.50     470.70         470.70       819.40    1222.50       499.96       690.70     508.40


                   National
                                                   1                              Geico          Geico       Geico                     Horace     Horace
 Rest of State    Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      61.00      110.13      105.00        74.50       51.60         51.60        84.50      122.60        48.18      180.60      128.80
PD                      59.00        83.23        N/A        42.50       50.50         50.50        92.40      117.60        51.47
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70        20.50       14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50   Included          2.50        2.50
MED                     13.00        19.48      10.00        14.00        7.20          7.20        22.30       35.60        16.43       11.40        7.90
COMP                    80.00        90.51     151.00        53.50       84.70         84.70       154.10      231.40        94.36      139.20      105.00
COLL                   215.00      241.79      373.00       153.50      240.50        240.50       399.80      618.10       246.30      313.00      250.20
          TOTAL       461.00       591.10      661.00       360.50     470.70         470.70       819.40    1222.50       477.23       660.70     508.40


NOTES:

1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages




                                                                                 38
                                                                              Example 5

                                                                Driver 1: Single, Male, 50
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Kenai                    Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   151.10      215.11        82.00      52.00     174.00        185.40       100.40      160.70      150.99     143.43             90.22          90.75
PD                               140.70                   35.00     115.00        179.10        97.00      155.20      Included      Included        72.99          67.11
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        35.00        20.70        32.20        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        42.10        23.20        34.60         2.20          2.20         3.06           4.24
MED                     9.90       58.62       13.00       7.00       58.00        41.70        20.20        34.20        25.20         23.94        11.28          13.22
COMP                 117.10      177.56        86.00    126.00        82.00        73.20        33.40        56.80        68.25         68.25        66.01          60.26
COLL                 257.50      632.22      222.00     203.00      337.00        648.50       300.30      515.80        180.81       171.78        225.09       236.45
         TOTAL       552.10     1284.91      428.00     441.00      884.00      1205.00        595.20      989.50       465.45        447.60       503.11       519.76

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
     Kodiak                    Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   155.50      209.30        82.00      52.00     184.00      N/A           N/A         N/A            144.69       137.55         69.43          69.82
PD                               139.31                   35.00     104.00      N/A           N/A          N/A         Included      Included        56.63          52.27
UM/UIM BI              14.00       37.93       25.00      14.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                     9.90       54.78       13.00       7.00       45.00     N/A           N/A          N/A            18.48         17.43         8.90          10.43
COMP                 119.70      167.78        86.00    126.00        79.00     N/A           N/A          N/A            40.74         40.74        60.63          55.40
COLL                 288.00      526.85      222.00     203.00      354.00      N/A           N/A          N/A           152.04       144.48        203.34       213.50
         TOTAL       589.60     1158.71      428.00     441.00      884.00      N/A           N/A          N/A          396.15        380.40       437.09       454.27

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Wasilla                   Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   157.00      232.55      144.00       71.00     235.00        224.90       121.80      194.90      245.91     233.52            112.56       113.24
PD                               150.46                   47.00     135.00        212.40       115.10      184.10      Included      Included        89.59          82.17
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        36.90        21.80        33.90        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        43.30        23.90        35.60         2.20          2.20         3.70           5.12
MED                     9.90       59.17       17.00       9.00       57.00        43.90        21.20        36.00        36.96         35.07        12.76          14.95
COMP                 124.80      159.39        68.00      90.00       82.00        71.60        32.70        55.60        52.50         52.50        59.79          54.64
COLL                 274.90      579.54      227.00     196.00      294.00        667.00       308.90      530.60        166.53       158.34        226.74       238.19
         TOTAL       583.10     1241.79      481.00     432.00      921.00      1300.00        645.40     1070.70       542.10        519.63       539.60       556.04

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
 Rest of State                 Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   155.50      193.79        82.00      52.00     155.00        173.40        93.90      150.30      134.19     127.47             73.87          74.29
PD                               139.31                   35.00     108.00        173.00        93.70      149.90      Included      Included        65.09          59.95
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        31.80        18.80        29.20        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        43.70        24.10        35.90         2.20          2.20         3.70           5.12
MED                     9.90       54.78       13.00       7.00       43.00        37.90        18.30        31.10        22.68         21.63         9.54          11.18
COMP                 119.70      139.81        86.00    126.00        78.00        75.40        34.40        58.50        53.55         53.55        66.88          61.04
COLL                 288.00      526.85      222.00     203.00      308.00        673.30       311.80      535.60        165.27       157.08        235.23       247.15
         TOTAL       589.60     1115.24      428.00     441.00      810.00      1208.50        595.00      990.50       415.89        399.93       488.78       506.47


NOTES:
2. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
3. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
4. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.




                                                                                 39
                                                                       Example 6

                                                          Driver 1: Single, Female, 72
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                  Use: Pleasure - Less than 10,000 miles/year

                    National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
     Anchorage     Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                     (AIG)
BI                      75.00      171.65      133.00        97.50       69.40         69.40       128.80      215.60       64.74     220.40      141.10
PD                      75.00      136.88         N/A        59.50       69.50         69.50       149.50      211.40       81.34
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50      14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     Included      2.50        2.50
MED                     13.00        18.34      14.00        19.50        8.10          8.10        27.60       45.50       19.51      11.40        7.20
COMP                    57.00        51.98      88.00        39.00       69.10         69.10       128.30      218.10       82.60      94.40       65.10
COLL                   176.00      205.12      353.00       139.50      208.10        208.10       364.40      593.80      296.95     349.70      239.00
           TOTAL       429.00      629.93      610.00       377.50     460.40         460.40       864.90    1381.60       565.64     692.40     468.90


                    National
     Barrow and                                    1                              Geico          Geico       Geico                   Horace     Horace
                   Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
       Nome                                                                      General       Indemnity    Casualty                 Mann      Mann P&C
                     (AIG)
BI                      55.00      119.12       93.00        66.50       48.30         48.30        97.40      153.20       51.88     180.60      128.80
PD                      53.00        92.77        N/A        37.50       47.20         47.20       106.60      147.00       64.33
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50      14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     Included      2.50        2.50
MED                     12.00        17.53        9.00       12.50        6.70          6.70        22.30       35.60       15.77      11.40        7.90
COMP                    75.00        81.46     123.00        47.50       79.30         79.30       154.10      231.40      112.98     139.20      105.00
COLL                   192.00      237.56      321.00       136.50      225.10        225.10       399.80      618.10      299.46     313.00      250.20
           TOTAL       420.00      594.40      568.00       323.00     442.80         442.80       846.50    1282.50       564.91     660.70     508.40


                    National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
       Bethel      Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                     (AIG)
BI                      55.00      119.12       93.00        66.50       48.30         48.30        97.40      153.20       54.78     180.60      128.80
PD                      53.00        92.77        N/A        37.50       47.20         47.20       106.60      147.00       58.52
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50      14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     Included      2.50        2.50
MED                     12.00        17.53        9.00       12.50        6.70          6.70        22.30       35.60       18.68      11.40        7.90
COMP                    75.00        81.46     123.00        47.50       79.30         79.30       154.10      231.40      107.29     139.20      105.00
COLL                   192.00      237.56      321.00       136.50      225.10        225.10       399.80      618.10      280.04     313.00      250.20
           TOTAL       420.00      594.40      568.00       323.00     442.80         442.80       846.50    1282.50       539.79     660.70     508.40


                    National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
     Fairbanks     Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                     (AIG)
BI                      53.00        98.74     109.00        67.00       52.50         52.50        97.90      168.10       51.88     195.30      125.80
PD                      64.00      114.82         N/A        54.00       53.00         53.00       127.20      175.00       64.33
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50      14.00       14.00
UM/UIM PD            Included         1.80        N/A         6.00        7.50          7.50        18.90       29.50     Included      2.50        2.50
MED                     10.00        12.64      10.00        14.50        6.30          6.30        21.90       33.70       15.77      11.10        6.90
COMP                    65.00        65.25      99.00        39.50       75.70         75.70       138.30      231.40      112.98     125.30       86.40
COLL                   183.00      235.40      351.00       139.50      220.40        220.40       383.10      618.10      299.46     309.60      211.60
           TOTAL       408.00      572.81      591.00       337.50     444.10         444.10       834.70    1323.50       564.91     657.80     447.20


                    National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
      Juneau       Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                     (AIG)
BI                      41.00        74.27      93.00        66.50       37.20         37.20        77.90      133.00       42.33     152.30      108.40
PD                      46.00        81.68        N/A        37.50       36.90         36.90        90.60      132.10       51.88
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50      14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50   Included        2.50        2.50
MED                      7.00         9.38        9.00       12.50        4.90          4.90        15.70       31.50       12.04      11.10        7.70
COMP                    45.00        43.88     123.00        47.50       51.90         51.90       112.50      188.00       73.11      75.70       57.20
COLL                   142.00      172.78      321.00       136.50      167.10        167.10       308.30      519.60      246.83     244.10      174.90
           TOTAL       314.00      427.95      568.00       323.00     334.20         334.20       671.30    1101.40       446.68     499.70     364.70


NOTES:

1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages




                                                                                 40
                                                                              Example 6

                                                               Driver 1: Single, Female, 72
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                       Use: Pleasure - Less than 10,000 miles/year

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Anchorage                 Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   220.40      278.00      136.00       53.00     292.00        319.20       184.40      285.00      200.16     190.08            122.99       123.74
PD                               271.00                   37.00     185.00        339.00       195.90      302.60      Included      Included        98.44          90.19
UM/UIM BI              14.00       55.00       25.00      14.00       88.00        38.50        24.10        35.30        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       33.00                   3.00       30.00        46.60        26.30        38.30         2.20          2.20         3.70           5.12
MED                    11.40       58.00       15.00       6.00       61.00        45.80        23.50        37.50        30.06         28.62        13.81          16.18
COMP                   94.40       77.00       64.00      75.00       44.00        42.80        20.40        33.20        45.00         45.00        60.32          55.12
COLL                 349.70      564.00      215.00     145.00      301.00        717.30       340.40      570.60        135.72       128.88        235.99       247.95
          TOTAL      692.40     1336.00      455.00     335.00     1001.00      1549.20        815.00     1302.50       451.14        432.78       569.71       586.05

                                                                                                          First
     Barrow and   Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
                               Leader                                                 2             3   National                                  USAA
       Nome       Ins. Co.                 Mutual      politan      sive      America      Illinois             4       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   180.60      191.72      100.00       46.00     188.00      N/A           N/A         N/A            109.26       103.68         79.79          80.25
PD                               186.90                   32.00     132.00      N/A           N/A          N/A         Included      Included        64.56          59.47
UM/UIM BI              14.00       37.93       25.00      14.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                    11.40       50.43       10.00       5.00       45.00     N/A           N/A          N/A            18.54         17.46        10.22          11.98
COMP                 139.20        71.30       67.00      96.00       56.00     N/A           N/A          N/A            45.90         45.90        66.36          60.57
COLL                 313.00      522.22      218.00     141.00      331.00      N/A           N/A          N/A           134.64       127.80        239.22       251.36
          TOTAL      660.70     1083.26      420.00     340.00      870.00      N/A           N/A          N/A          348.54        335.04       498.32       516.48

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
       Bethel                  Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   180.60      191.72        78.00      38.00     188.00      N/A           N/A         N/A            109.26       103.68         79.79          80.25
PD                               186.90                   27.00     132.00      N/A           N/A          N/A         Included      Included        64.56          59.47
UM/UIM BI              14.00       37.93       25.00      14.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                    11.40       50.43       13.00       5.00       45.00     N/A           N/A          N/A            18.54         17.46        10.22          11.98
COMP                 139.20        71.30       82.00    105.00        56.00     N/A           N/A          N/A            45.90         45.90        66.36          60.57
COLL                 313.00      522.22      210.00     150.00      331.00      N/A           N/A          N/A           134.64       127.80        239.22       251.36
          TOTAL      660.70     1083.26      408.00     343.00      870.00      N/A           N/A          N/A          348.54        335.04       498.32       516.48

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Fairbanks                 Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   195.30      210.90      100.00       46.00     197.00        246.10       142.20      219.70      137.52     130.68             80.16          80.62
PD                               201.85                   32.00     157.00        248.80       143.80      222.20      Included      Included        73.63          67.69
UM/UIM BI              14.00       41.72       25.00      14.00       88.00        29.70        18.60        27.30        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       25.03                   3.00       30.00        50.50        28.50        41.50         2.20          2.20         3.70           5.12
MED                    11.10       47.41       10.00       5.00       42.00        35.40        18.10        29.00        18.00         17.10         9.54          11.18
COMP                 125.30        83.42       67.00      96.00       59.00        48.40        23.10        37.60        53.10         53.10        66.19          60.43
COLL                 309.60      543.11      218.00     141.00      350.00        777.10       368.70      618.20        145.08       137.88        235.64       247.59
          TOTAL      657.80     1153.44      420.00     340.00      923.00      1436.00        743.00     1195.50       393.90        378.96       503.34       520.37

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Juneau                   Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   152.30      184.06        78.00      35.00     174.00        221.70       128.10      197.90      117.90     111.96             66.65          67.02
PD                               164.47                   25.00     104.00        195.90       113.20      174.90      Included      Included        59.09          63.85
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        26.50        16.60        24.40        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        43.10        24.30        35.40         2.20          2.20         3.70           5.12
MED                    11.10       42.87       10.00       4.00       34.00        31.60        16.20        25.90        14.94         14.22         8.02           9.40
COMP                   75.70       67.73       66.00      68.00       41.00        37.60        17.90        29.20        34.92         34.92        51.00          46.70
COLL                 244.10      548.33      208.00     104.00      270.00        664.40       315.20      528.50        123.84       117.54        187.09       196.36
          TOTAL      499.70     1068.15      387.00     258.00      741.00      1220.80        631.50     1016.20       331.80        318.84       410.02       436.19


NOTES:
2. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
3. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
4. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.



                                                                                 41
                                                                       Example 6

                                                          Driver 1: Single, Female, 72
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                  Use: Pleasure - Less than 10,000 miles/year

                   National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
      Kenai       Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                    (AIG)
BI                      55.00      119.12       93.00        66.50       48.30         48.30        97.40      153.20       54.78     175.50      114.40
PD                      53.00        92.77        N/A        37.50       47.20         47.20       106.60      147.00       58.52
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50      14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     Included      2.50        2.50
MED                     12.00        17.53        9.00       12.50        6.70          6.70        22.30       35.60       18.68      11.40        7.20
COMP                    75.00        81.46     123.00        47.50       79.30         79.30       154.10      231.40      107.29     136.30       93.90
COLL                   192.00      237.56      321.00       136.50      225.10        225.10       399.80      618.10      280.04     319.70      204.60
          TOTAL       420.00       594.40      568.00       323.00     442.80         442.80       846.50    1282.50       539.79     659.40     436.60


                   National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
      Kodiak      Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                    (AIG)
BI                      55.00      119.12       93.00        66.50       48.30         48.30        97.40      153.20       54.78     180.60      128.80
PD                      53.00        92.77        N/A        37.50       47.20         47.20       106.60      147.00       58.52
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50      14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     Included      2.50        2.50
MED                     12.00        17.53        9.00       12.50        6.70          6.70        22.30       35.60       18.68      11.40        7.90
COMP                    75.00        81.46     123.00        47.50       79.30         79.30       154.10      231.40      107.29     139.20      105.00
COLL                   192.00      237.56      321.00       136.50      225.10        225.10       399.80      618.10      280.04     313.00      250.20
          TOTAL       420.00       594.40      568.00       323.00     442.80         442.80       846.50    1282.50       539.79     660.70     508.40


                   National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
     Wasilla      Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                    (AIG)
BI                      75.00      119.12       93.00        66.50       48.30         48.30        97.40      153.20       64.74     182.70      119.00
PD                      75.00        92.77        N/A        37.50       47.20         47.20       106.60      147.00       81.34
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50      14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     Included      2.50        2.50
MED                     13.00        17.53        9.00       12.50        6.70          6.70        22.30       35.60       19.51      11.40        7.20
COMP                    57.00        81.46     123.00        47.50       79.30         79.30       154.10      231.40       82.60     145.20      100.20
COLL                   176.00      237.56      321.00       136.50      225.10        225.10       399.80      618.10      296.95     334.90      218.50
          TOTAL       429.00       594.40      568.00       323.00     442.80         442.80       846.50    1282.50       565.64     690.70     461.40


                   National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
 Rest of State    Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                    (AIG)
BI                      55.00      119.12       93.00        66.50       48.30         48.30        97.40      153.20       54.78     180.60      128.80
PD                      53.00        92.77        N/A        37.50       47.20         47.20       106.60      147.00       58.52
UM/UIM BI               33.00        44.16      22.00        17.00       28.70         28.70        47.40       67.70       20.50      14.00       14.00
UM/UIM PD            Included         1.80        N/A         5.50        7.50          7.50        18.90       29.50     Included      2.50        2.50
MED                     12.00        17.53        9.00       12.50        6.70          6.70        22.30       35.60       18.68      11.40        7.90
COMP                    75.00        81.46     123.00        47.50       79.30         79.30       154.10      231.40      107.29     139.20      105.00
COLL                   192.00      237.56      321.00       136.50      225.10        225.10       399.80      618.10      280.04     313.00      250.20
          TOTAL       420.00       594.40      568.00       323.00     442.80         442.80       846.50    1282.50       539.79     660.70     508.40


NOTES:

1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages




                                                                                 42
                                                                              Example 6

                                                               Driver 1: Single, Female, 72
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                       Use: Pleasure - Less than 10,000 miles/year

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Kenai                    Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   175.50      212.81        78.00      38.00     212.00        239.40       138.30      213.70      122.94     116.82             94.25          94.80
PD                               188.77                   27.00     140.00        231.20       133.60      206.40      Included      Included        76.24          70.06
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        35.00        21.90        32.20        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        45.30        25.60        37.20         2.20          2.20         3.06           4.24
MED                    11.40       53.97       13.00       5.00       61.00        41.70        21.40        34.20        20.52         19.62        11.86          13.90
COMP                 136.30        90.55       82.00    105.00        59.00        51.10        24.40        39.70        58.50         58.50        69.06          63.01
COLL                 319.70      626.67      210.00     150.00      362.00        697.40       330.90      554.80        147.24       139.86        235.64       247.59
         TOTAL       659.40     1233.45      408.00     343.00      952.00      1341.10        696.10     1118.20       389.40        375.00       524.58       541.33

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
     Kodiak                    Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   180.60      207.06        78.00      38.00     224.00      N/A           N/A         N/A            117.90       111.96         72.40          72.81
PD                               186.90                   27.00     127.00      N/A           N/A          N/A         Included      Included        59.04          54.45
UM/UIM BI              14.00       37.93       25.00      14.00       88.00     N/A           N/A          N/A            38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00     N/A           N/A          N/A             2.20          2.20         3.70           5.12
MED                    11.40       50.43       13.00       5.00       47.00     N/A           N/A          N/A            14.94         14.22         9.35          10.96
COMP                 139.20        85.56       82.00    105.00        57.00     N/A           N/A          N/A            34.92         34.92        63.41          57.91
COLL                 313.00      522.22      210.00     150.00      380.00      N/A           N/A          N/A           123.84       117.54        212.78       223.46
         TOTAL       660.70     1112.86      408.00     343.00      953.00      N/A           N/A          N/A          331.80        318.84       455.14       472.45

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Wasilla                   Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   182.70      230.07      136.00       53.00     286.00        290.40       167.80      259.30      200.16     190.08            117.74       118.45
PD                               201.85                   37.00     164.00        274.30       158.50      244.90      Included      Included        93.69          85.89
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        36.90        23.10        33.90        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        46.60        26.30        38.30         2.20          2.20         3.70           5.12
MED                    11.40       54.47       15.00       6.00       59.00        43.90        22.50        36.00        30.06         28.62        13.41          15.72
COMP                 145.20        81.28       64.00      75.00       59.00        50.00        23.80        38.80        45.00         45.00        62.52          57.11
COLL                 334.90      574.44      215.00     145.00      316.00        717.30       340.40      570.60        135.72       128.88        237.38       249.42
         TOTAL       690.70     1202.80      455.00     335.00     1002.00      1459.40        762.40     1221.80       451.14        432.78       562.90       579.44

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
 Rest of State                 Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   180.60      191.72        78.00      38.00     188.00        223.90       129.40      199.90      109.26     103.68             77.07          77.50
PD                               186.90                   27.00     132.00        223.40       129.10      199.40      Included      Included        67.94          62.53
UM/UIM BI              14.00       37.93       25.00      14.00       88.00        31.80        19.90        29.20        38.00         38.00        34.47          47.74
UM/UIM PD               2.50       22.76                   3.00       30.00        47.00        26.50        38.60         2.20          2.20         3.70           5.12
MED                    11.40       50.43       13.00       5.00       45.00        37.90        19.40        31.10        18.54         17.46        10.03          11.76
COMP                 139.20        71.30       82.00    105.00        56.00        52.60        25.10        40.80        45.90         45.90        69.97          63.84
COLL                 313.00      522.22      210.00     150.00      331.00        724.10       343.60      576.00        134.64       127.80        246.31       258.84
         TOTAL       660.70     1083.26      408.00     343.00      870.00      1340.70        693.00     1115.00       348.54        335.04       509.48       527.33


NOTES:
2. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
3. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
4. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.




                                                                                 43
                                                            Example 7 - Married Couple

                                                              Driver 1: Male, 35
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                       Use: Commute - 5 miles one way

                                                             Driver 2: Female, 35
                                                 Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                    National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
     Anchorage     Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     130.00      241.09      280.00       220.00      129.40        129.40       199.20      308.60     N/A           416.00      266.60
PD                     130.00      186.57         N/A       134.00      129.40        129.40       231.20      302.60     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     N/A             5.00        5.00
MED                     24.00        39.69      30.00        43.00       15.20         15.20        50.60       83.30     N/A            21.40       13.60
COMP                    85.00      118.34      157.00        81.00      107.20        107.20       193.70      328.70     N/A           158.10      109.00
COLL                   320.00      394.74      682.00       300.00      358.10        358.10       588.40      960.00     N/A           612.70      418.70
           TOTAL       743.00     1065.68     1183.00       814.00     806.00         806.00      1395.70    2177.60      N/A          1241.20     840.90


                    National
     Barrow and                                    1                              Geico          Geico       Geico                 2   Horace     Horace
                   Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
       Nome                                                                      General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                      96.00      167.32      194.00       149.00       90.00         90.00       150.60      219.40     N/A           341.00      243.20
PD                      92.00      126.46         N/A        85.00       88.00         88.00       164.80      210.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     N/A             5.00        5.00
MED                     20.00        37.84      18.00        28.00       12.60         12.60        40.70       65.30     N/A            21.40       14.80
COMP                   113.00      185.43      219.00        98.00      123.10        123.10       232.60      348.90     N/A           233.10      176.00
COLL                   346.00      457.22      620.00       293.00      387.40        387.40       645.70      999.50     N/A           548.40      438.60
           TOTAL       721.00     1059.52     1085.00       689.00     767.80         767.80      1367.00    2037.90      N/A          1176.90     905.60


                    National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
       Bethel      Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                      96.00      167.32      194.00       149.00       90.00         90.00       150.60      219.40     N/A           341.00      243.20
PD                      92.00      126.46         N/A        85.00       88.00         88.00       164.80      210.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     N/A             5.00        5.00
MED                     20.00        37.84      18.00        28.00       12.60         12.60        40.70       65.30     N/A            21.40       14.80
COMP                   113.00      185.43      219.00        98.00      123.10        123.10       232.60      348.90     N/A           233.10      176.00
COLL                   346.00      457.22      620.00       293.00      387.40        387.40       645.70      999.50     N/A           548.40      438.60
           TOTAL       721.00     1059.52     1085.00       689.00     767.80         767.80      1367.00    2037.90      N/A          1176.90     905.60


                    National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
     Fairbanks     Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                      92.00      138.69      230.00       150.00       97.80         97.80       151.40      240.60     N/A           369.00      237.80
PD                     112.00      156.50         N/A       122.00       98.80         98.80       196.80      250.60     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     N/A             5.00        5.00
MED                     18.00        26.58      22.00        33.00       11.80         11.80        40.00       61.70     N/A            21.00       13.20
COMP                    98.00      148.57      176.00        82.00      117.40        117.40       208.60      348.90     N/A           209.80      144.70
COLL                   329.00      453.05      678.00       300.00      379.30        379.30       618.80      999.50     N/A           542.40      370.60
           TOTAL       703.00     1008.64     1140.00       723.00     771.80         771.80      1348.20    2095.70      N/A          1175.20     799.30


                    National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
      Juneau       Union Fire   Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                      70.00      104.32      194.00       149.00       69.20         69.20       120.60      190.40     N/A           287.80      204.60
PD                      80.00      111.32         N/A        85.00       68.80         68.80       140.00      189.00     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     N/A             5.00        5.00
MED                     12.00        19.09      18.00        28.00        9.00          9.00        28.80       57.70     N/A            21.00       14.40
COMP                    68.00        99.93     219.00        98.00       80.70         80.70       169.90      283.30     N/A           126.80       95.70
COLL                   256.00      332.54      620.00       293.00      287.40        287.40       498.00      839.90     N/A           427.60      306.40
           TOTAL       540.00      752.45     1085.00       689.00     581.80         581.80      1089.90    1754.70      N/A           896.20     654.10


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements



                                                                                 44
                                                                  Example 7 - Married Couple

                                                                   Driver 1: Male, 35
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                            Use: Commute - 5 miles one way

                                                                   Driver 2: Female, 35
                                                       Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                            Use: Commute - 10 miles one way

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Anchorage                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   357.60      353.00      250.00     134.00      401.00        387.80        35.40      326.60      433.27     411.44            204.34       205.55
PD                               254.00                   90.00     258.00        411.80        35.40      346.80      Included      Included       163.66       150.26
UM/UIM BI              28.00     110.00        50.00      28.00     176.00         85.60        35.40        78.80        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       66.00                   6.00       60.00        65.40        35.40        53.80         3.60          3.60         5.10           7.06
MED                    18.40     111.00        28.00      16.00     158.00        102.00        35.40        83.60        65.12         61.79        22.56          26.44
COMP                 135.90      214.00        97.00    147.00      112.00         97.30        35.40        75.60        79.90         79.90        96.78          88.68
COLL                 527.00      671.00      354.00     315.00      465.00      1022.80         35.40      813.60        279.61       265.78        366.20       384.29
          TOTAL     1071.90     1779.00      779.00     736.00     1630.00      2172.70         35.40     1778.80       926.30        887.31       906.17       928.13

                                                                                                          First
     Barrow and   Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
                               Leader                                                 3             4   National                                  USAA
       Nome       Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   293.60         243      183.00     116.00      258.00      N/A           N/A         N/A            236.43       224.59        134.09       134.84
PD                               175.17                   78.00     184.00      N/A           N/A          N/A         Included      Included       108.58       100.29
UM/UIM BI              28.00       75.86       50.00      28.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    18.40       96.52       20.00      15.00     116.00      N/A           N/A          N/A            39.96         38.11        16.70          19.57
COMP                 200.50      198.15      102.00     187.00      144.00      N/A           N/A          N/A            81.55         81.55       106.17          97.17
COLL                 504.80      621.30      359.00     305.00      513.00      N/A           N/A          N/A           277.39       263.76        371.09       389.44
          TOTAL     1050.30     1455.97      714.00     735.00     1451.00      N/A           N/A          N/A          703.73        676.41       789.27       814.22

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
       Bethel                  Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   293.60      243.45      143.00       99.00     258.00      N/A           N/A         N/A            236.43       224.59        134.09       134.84
PD                               175.17                   66.00     184.00      N/A           N/A          N/A         Included      Included       108.58       100.29
UM/UIM BI              28.00       75.86       50.00      28.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    18.40       96.52       23.00      15.00     116.00      N/A           N/A          N/A            39.96         38.11        16.70          19.57
COMP                 200.50      198.15      124.00     205.00      144.00      N/A           N/A          N/A            81.55         81.55       106.17          97.17
COLL                 504.80      621.30      347.00     328.00      513.00      N/A           N/A          N/A           277.39       263.76        371.09       389.44
          TOTAL     1050.30     1455.97      687.00     747.00     1451.00      N/A           N/A          N/A          703.73        676.41       789.27       814.22

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Fairbanks                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   317.40      267.79      183.00     116.00      270.00        299.00       157.40      251.80      297.85     282.68            134.69       135.44
PD                               189.19                   78.00     218.00        302.40       159.20      254.60      Included      Included       123.32       113.67
UM/UIM BI              28.00       83.45       50.00      28.00     176.00         66.20        38.40        60.80        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       50.07                   6.00       60.00        70.80        38.20        58.20         3.60          3.60         5.10           7.06
MED                    18.00       90.73       20.00      15.00     109.00         78.80        37.60        64.60        38.85         37.00        15.59          18.27
COMP                 180.30      231.83      102.00     187.00      153.00        110.20        50.30        85.50        94.35         94.35       105.92          96.94
COLL                 466.60      646.15      359.00     305.00      541.00      1108.00        503.70      881.40        299.13       284.22        365.68       383.74
          TOTAL     1015.30     1559.21      714.00     735.00     1527.00      2035.40        984.80     1656.90       798.58        766.65       797.84       820.96

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Juneau                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   247.40      233.71      143.00       89.00     238.00        269.40       141.80      226.80      254.93     242.35            112.73       113.33
PD                               154.15                   61.00     145.00        238.00       125.40      200.40      Included      Included        99.69          92.22
UM/UIM BI              28.00       75.86       50.00      28.00     176.00         59.00        34.40        54.20        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00        60.60        32.80        49.80         3.60          3.60         5.10           7.06
MED                    18.00       82.04       20.00      11.00       89.00        70.40        33.60        57.60        32.56         30.71        13.11          15.36
COMP                 109.00      188.24      101.00     132.00      105.00         85.40        39.00        66.30        62.18         62.18        82.27          75.57
COLL                 352.50      652.36      342.00     228.00      418.00        947.10       430.50      753.40        255.08       242.56        292.27       306.28
          TOTAL      759.90     1431.89      656.00     555.00     1231.00      1729.90        837.50     1408.50       673.15        646.20       652.70       675.67


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
                                                                                 45
                                                            Example 7 - Married Couple

                                                              Driver 1: Male, 35
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                       Use: Commute - 5 miles one way

                                                             Driver 2: Female, 35
                                                 Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                      Use: Commute - 10 miles one way

                   National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
      Kenai       Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      96.00      167.32      194.00       149.00       90.00         90.00       150.60      219.40     N/A           331.80      216.20
PD                      92.00      126.46         N/A        85.00       88.00         88.00       164.80      210.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     N/A             5.00        5.00
MED                     20.00        37.84      18.00        28.00       12.60         12.60        40.70       65.30     N/A            21.40       13.60
COMP                   113.00      185.43      219.00        98.00      123.10        123.10       232.60      348.90     N/A           228.20      157.30
COLL                   346.00      457.22      620.00       293.00      387.40        387.40       645.70      999.50     N/A           560.00      358.40
          TOTAL       721.00      1059.52     1085.00       689.00     767.80         767.80      1367.00    2037.90      N/A          1174.40     778.50


                   National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
      Kodiak      Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      96.00      167.32      194.00       149.00       90.00         90.00       150.60      219.40     N/A           341.00      243.20
PD                      92.00      126.46         N/A        85.00       88.00         88.00       164.80      210.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     N/A             5.00        5.00
MED                     20.00        37.84      18.00        28.00       12.60         12.60        40.70       65.30     N/A            21.40       14.80
COMP                   113.00      185.43      219.00        98.00      123.10        123.10       232.60      348.90     N/A           233.10      176.00
COLL                   346.00      457.22      620.00       293.00      387.40        387.40       645.70      999.50     N/A           548.40      438.60
          TOTAL       721.00      1059.52     1085.00       689.00     767.80         767.80      1367.00    2037.90      N/A          1176.90     905.60


                   National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
     Wasilla      Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     130.00      167.32      194.00       149.00       90.00         90.00       150.60      219.40     N/A           345.20      224.60
PD                     130.00      126.46         N/A        85.00       88.00         88.00       164.80      210.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     N/A             5.00        5.00
MED                     24.00        37.84      18.00        28.00       12.60         12.60        40.70       65.30     N/A            21.40       13.60
COMP                    85.00      185.43      219.00        98.00      123.10        123.10       232.60      348.90     N/A           243.10      167.70
COLL                   320.00      457.22      620.00       293.00      387.40        387.40       645.70      999.50     N/A           586.80      382.70
          TOTAL       743.00      1059.52     1085.00       689.00     767.80         767.80      1367.00    2037.90      N/A          1229.50     821.60


                   National
                                                   1                              Geico          Geico       Geico                 2   Horace     Horace
 Rest of State    Union Fire    Allstate     Amica       Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                      96.00      167.32      194.00       149.00       90.00         90.00       150.60      219.40     N/A           341.00      243.20
PD                      92.00      126.46         N/A        85.00       88.00         88.00       164.80      210.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     N/A             5.00        5.00
MED                     20.00        37.84      18.00        28.00       12.60         12.60        40.70       65.30     N/A            21.40       14.80
COMP                   113.00      185.43      219.00        98.00      123.10        123.10       232.60      348.90     N/A           233.10      176.00
COLL                   346.00      457.22      620.00       293.00      387.40        387.40       645.70      999.50     N/A           548.40      438.60
          TOTAL       721.00      1059.52     1085.00       689.00     767.80         767.80      1367.00    2037.90      N/A          1176.90     905.60


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                 46
                                                                  Example 7 - Married Couple

                                                                   Driver 1: Male, 35
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                            Use: Commute - 5 miles one way

                                                                   Driver 2: Female, 35
                                                       Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                            Use: Commute - 10 miles one way

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Kenai                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   285.40      270.23      143.00       99.00     290.00        290.80       153.20      245.00      266.03     252.71            157.60       158.50
PD                               176.92                   66.00     194.00        281.00       147.80      236.60      Included      Included       127.57       117.52
UM/UIM BI              28.00       75.86       50.00      28.00     176.00         78.00        45.40        71.60        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00        63.60        34.40        52.20         3.60          3.60         5.10           7.06
MED                    18.40     103.28        23.00      15.00     157.00         93.00        44.20        76.20        44.40         42.18        19.38          22.71
COMP                 196.10      251.65      124.00     205.00      152.00        116.20        53.10        90.20       104.05       104.05        110.37       100.97
COLL                 451.10      745.56      347.00     328.00      560.00        994.20       451.90      790.80        303.57       288.46        365.68       383.74
         TOTAL       984.00     1669.01      687.00     747.00     1589.00      1916.80        930.00     1562.60       786.45        755.80       833.24       856.33

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
     Kodiak                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   293.60      262.92      143.00       99.00     308.00      N/A           N/A         N/A            254.93       242.35        122.07       122.73
PD                               175.17                   66.00     176.00      N/A           N/A          N/A         Included      Included        99.60          92.14
UM/UIM BI              28.00       75.86       50.00      28.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    18.40       96.52       23.00      15.00     123.00      N/A           N/A          N/A            32.56         30.71        15.29          17.91
COMP                 200.50      237.78      124.00     205.00      147.00      N/A           N/A          N/A            62.18         62.18       101.58          93.02
COLL                 504.80      621.30      347.00     328.00      588.00      N/A           N/A          N/A           255.08       242.56        331.11       347.26
         TOTAL      1050.30     1515.07      687.00     747.00     1578.00      N/A           N/A          N/A          673.15        646.20       722.28       745.97

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Wasilla                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   296.60      292.14      250.00     134.00      391.00        352.80       185.80      297.20      433.27     411.44            195.79       196.95
PD                               189.19                   90.00     230.00        333.40       175.40      280.60      Included      Included       155.95       143.26
UM/UIM BI              28.00       75.86        5.00      28.00     176.00         82.20        47.80        75.40        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00        65.40        35.40        53.80         3.60          3.60         5.10           7.06
MED                    18.40     104.24        28.00      16.00     153.00         97.80        46.60        80.20        65.12         61.79        21.91          25.68
COMP                 209.00      225.89        97.00    147.00      152.00        113.60        51.90        88.20        79.90         79.90       100.19          91.77
COLL                 481.80      683.43      354.00     315.00      489.00      1022.80        464.90      813.60        279.61       265.78        368.30       386.51
         TOTAL      1038.80     1616.26      779.00     736.00     1651.00      2068.00      1007.80      1689.00       926.30        887.31       894.78       917.07

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
 Rest of State                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   293.60      243.45      143.00       99.00     258.00        272.00       143.20      229.00      236.43     224.59            129.66       130.37
PD                               175.17                   66.00     184.00        271.40       142.80      228.60      Included      Included       114.07       105.27
UM/UIM BI              28.00       75.86       50.00      28.00     176.00         71.00        41.20        65.20        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00        66.00        35.60        54.20         3.60          3.60         5.10           7.06
MED                    18.40       96.52       23.00      15.00     116.00         84.40        40.20        69.20        39.96         38.11        16.40          19.21
COMP                 200.50      198.15      124.00     205.00      144.00        119.60        54.60        92.90        81.55         81.55       111.80       102.25
COLL                 504.80      621.30      347.00     328.00      513.00      1032.40        469.30      821.20        277.39       263.76        381.80       400.75
         TOTAL      1050.30     1455.97      687.00     747.00     1451.00      1916.80        926.90     1560.30       703.73        676.41       806.36       830.76


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.




                                                                                 47
                                                            Example 8 - Married Couple

                                                                Driver 1: Male, 60
                                                         Vehicle 1: 2002 Ford F150, 4x4
                                                        Use: Commute - 10 miles one way

                                                             Driver 2: Female, 60
                                           Vehicle 2: 2003 Mercury Grand Marquis GS, 4 Door Sedan
                                                  Use: Pleasure - Less than 10,000 miles/year

                    National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
     Anchorage     Union Fire   Allstate      Amica      Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                     (AIG)
BI                      93.00      193.77      224.00       159.00       90.80         90.80       189.20      293.20       68.64     355.00      227.40
PD                      93.00      149.96         N/A        97.00       90.80         90.80       219.80      287.60       86.24
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40       41.00      28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     Included      5.00        5.00
MED                     16.00        26.07      23.00        31.00       10.80         10.80        46.80       77.40       20.68      18.40       11.80
COMP                    55.00      115.72      110.00        59.00       61.60         61.60       148.00      252.90       62.64     127.90       93.30
COLL                   230.00      336.63      524.00       217.00      230.10        230.10       496.30      813.70      266.16     520.10      367.40
           TOTAL       541.00      907.40      915.00       599.00     550.80         550.80      1232.70    1919.20       545.35    1054.40     732.90


                    National
     Barrow and                                    1                              Geico          Geico       Geico                   Horace     Horace
                   Union Fire   Allstate      Amica      Electric     GEICO                                             Hartford
       Nome                                                                      General       Indemnity    Casualty                 Mann      Mann P&C
                     (AIG)
BI                      69.00      134.50      159.00       108.00       63.20         63.20       143.20      208.40       55.00     290.90      207.30
PD                      66.00      101.64         N/A        61.00       61.90         61.90       156.60      200.00       68.20
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40       41.00      28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     Included      5.00        5.00
MED                     15.00        24.83      15.00        20.00        8.80          8.80        37.80       60.60       16.72      18.40       12.70
COMP                    73.00      181.38      153.00        71.00       70.70         70.70       177.80      268.60       85.67     188.60      150.70
COLL                   248.00      389.93      478.00       212.00      248.90        248.90       544.90      846.90      268.40     465.50      384.80
           TOTAL       525.00      917.53      839.00       508.00     520.20         520.20      1192.90    1778.90       535.00     996.40     788.50


                    National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
       Bethel      Union Fire   Allstate      Amica      Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                     (AIG)
BI                      69.00      134.50      159.00       108.00       63.20         63.20       143.20      208.40       58.08     290.90      207.30
PD                      66.00      101.64         N/A        61.00       61.90         61.90       156.60      200.00       62.04
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40       41.00      28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     Included      5.00        5.00
MED                     15.00        24.83      15.00        20.00        8.80          8.80        37.80       60.60       19.80      18.40       12.70
COMP                    73.00      181.38      153.00        71.00       70.70         70.70       177.80      268.60       81.35     188.60      150.70
COLL                   248.00      389.93      478.00       212.00      248.90        248.90       544.90      846.90      251.00     465.50      384.80
           TOTAL       525.00      917.53      839.00       508.00     520.20         520.20      1192.90    1778.90       513.27     996.40     788.50


                    National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
     Fairbanks     Union Fire   Allstate      Amica      Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                     (AIG)
BI                      66.00      111.46      185.00       109.00       68.70         68.70       144.00      228.60       55.00     314.70      202.80
PD                      80.00      125.79         N/A        88.00       69.30         69.30       187.00      238.00       68.20
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40       41.00      28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     Included      5.00        5.00
MED                     13.00        17.44      17.00        23.00        8.40          8.40        37.00       57.20       16.72      17.80       11.20
COMP                    62.00      145.30      124.00        60.00       67.40         67.40       159.40      268.60       85.67     169.80      123.90
COLL                   237.00      386.34      521.00       217.00      243.60        243.60       522.20      846.90      268.40     460.40      325.40
           TOTAL       512.00      871.58      881.00       533.00     524.10         524.10      1182.20    1833.70       535.00     995.70     696.30


                    National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
      Juneau       Union Fire   Allstate      Amica      Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                     (AIG)
BI                      51.00        83.85     159.00       108.00       48.60         48.60       114.60      181.00       44.88     245.80      174.70
PD                      57.00        89.47        N/A        61.00       48.40         48.40       133.00      179.60       55.00
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40       41.00      28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     Included      5.00        5.00
MED                      9.00        12.49      15.00        20.00        6.40          6.40        26.60       53.60       12.76      17.80       12.40
COMP                    44.00        97.72     153.00        71.00       46.40         46.40       129.90      218.10       55.44     102.50       82.00
COLL                   184.00      283.57      478.00       212.00      184.40        184.40       420.40      711.50      221.24     363.00      268.90
           TOTAL       399.00      652.35      839.00       508.00     400.90         400.90       957.10    1538.20       430.31     762.10     571.00


NOTES:

1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages




                                                                                 48
                                                                  Example 8 - Married Couple

                                                                     Driver 1: Male, 60
                                                              Vehicle 1: 2002 Ford F150, 4x4
                                                             Use: Commute - 10 miles one way

                                                               Driver 2: Female, 60
                                             Vehicle 2: 2003 Mercury Grand Marquis GS, 4 Door Sedan
                                                    Use: Pleasure - Less than 10,000 miles/year

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Anchorage                 Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   305.20      349.00      220.00       89.00     355.00        336.00       183.00      292.60      344.72     327.36            144.35       145.16
PD                               251.00                   59.00     236.00        356.80       194.20      310.80      Included      Included       115.82       106.86
UM/UIM BI              28.00     110.00        50.00      28.00     176.00         64.40        38.20        59.00        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       66.00                   6.00       60.00        51.60        28.20        42.40         3.60          3.60         5.10           7.06
MED                    15.90     104.00        25.00      11.00       98.00        76.60        37.20        62.80        44.80         42.49        12.42          14.56
COMP                 108.40      113.00        72.00    136.00        80.00        77.90        35.60        60.50        62.97         62.97        55.76          51.63
COLL                 438.60      538.00      285.00     250.00      444.00        819.90       377.40      652.20        221.68       210.92        239.60       250.70
          TOTAL      901.10     1531.00      652.00     579.00     1449.00      1783.20        893.80     1480.30       742.57        712.14       620.60       641.82

                                                                                                          First
     Barrow and   Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
                               Leader                                                 2             3   National                                  USAA
       Nome       Ins. Co.                 Mutual      politan      sive      America      Illinois             4       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   250.40      240.69      161.00       77.00     229.00      N/A           N/A         N/A            188.17       178.56         97.38          97.87
PD                               173.10                   52.00     168.00      N/A           N/A          N/A         Included      Included        78.99          73.45
UM/UIM BI              28.00       75.86       50.00      28.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    15.90       90.43       16.00       9.00       71.00     N/A           N/A          N/A            27.51         25.99         9.20          10.78
COMP                 159.90      104.63        75.00    175.00      102.00      N/A           N/A          N/A            64.35         64.35        60.56          55.96
COLL                 420.00      498.15      289.00     243.00      489.00      N/A           N/A          N/A           219.99       209.23        242.59       253.86
          TOTAL      879.20     1228.38      591.00     590.00     1295.00      N/A           N/A          N/A          568.42        546.53       541.36       564.83

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
       Bethel                  Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   250.40      240.69      126.00       66.00     229.00      N/A           N/A         N/A            188.17       178.56         97.38          97.87
PD                               173.10                   44.00     168.00      N/A           N/A          N/A         Included      Included        78.99          73.45
UM/UIM BI              28.00       75.86       50.00      28.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    15.90       90.43       22.00       9.00       71.00     N/A           N/A          N/A            27.51         25.99         9.20          10.78
COMP                 159.90      104.63        91.00    190.00      102.00      N/A           N/A          N/A            64.35         64.35        60.56          55.96
COLL                 420.00      498.15      280.00     260.00      489.00      N/A           N/A          N/A           219.99       209.23        242.59       253.86
          TOTAL      879.20     1228.38      569.00     603.00     1295.00      N/A           N/A          N/A          568.42        546.53       541.36       564.83

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Fairbanks                 Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   270.90      264.76      161.00       77.00     239.00        259.00       141.00      225.60      236.84     225.06             97.78          98.28
PD                               186.95                   52.00     199.00        262.00       142.60      228.20      Included      Included        88.85          82.39
UM/UIM BI              28.00       83.45       50.00      28.00     176.00         49.60        29.60        45.60        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       50.07                   6.00       60.00        55.80        30.60        46.00         3.60          3.60         5.10           7.06
MED                    15.30       85.01       16.00       9.00       67.00        59.20        28.80        48.40        26.75         25.37         8.59          10.06
COMP                 143.90      122.42        75.00    175.00      109.00         88.20        40.20        68.40        74.32         74.32        60.43          55.85
COLL                 388.30      518.07      289.00     243.00      517.00        888.30       408.90      706.60        237.20       225.37        239.27       250.36
          TOTAL      851.40     1310.73      591.00     590.00     1367.00      1662.10        821.70     1368.80       643.51        618.52       547.56       569.84

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Juneau                   Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   211.20      231.06      126.00       59.00     211.00        233.40       127.00      203.20      203.05     192.82             83.09          83.49
PD                               152.33                   41.00     133.00        206.20       112.20      179.60      Included      Included        73.04          68.05
UM/UIM BI              28.00       75.86       50.00      28.00     176.00         44.40        26.40        40.80        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00        47.80        26.20        39.20         3.60          3.60         5.10           7.06
MED                    15.30       76.87       16.00       7.00       54.00        52.80        25.80        43.20        22.33         21.09         7.22           8.46
COMP                   86.90       99.40       74.00    124.00        75.00        68.40        31.30        53.10        49.03         49.03        48.36          44.94
COLL                 293.30      523.06      275.00     179.00      399.00        759.10       349.40      603.80        202.30       192.47        194.23       202.83
          TOTAL      639.70     1204.10      541.00     444.00     1108.00      1412.10        698.30     1162.90       545.11        523.81       458.57       480.67


NOTES:
2. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
3. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
4. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
                                                                                 49
                                                            Example 8 - Married Couple

                                                                Driver 1: Male, 60
                                                         Vehicle 1: 2002 Ford F150, 4x4
                                                        Use: Commute - 10 miles one way

                                                             Driver 2: Female, 60
                                           Vehicle 2: 2003 Mercury Grand Marquis GS, 4 Door Sedan
                                                  Use: Pleasure - Less than 10,000 miles/year

                   National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
      Kenai       Union Fire    Allstate      Amica      Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                    (AIG)
BI                      69.00      134.50      159.00       108.00       63.20         63.20       143.20      208.40       58.08     283.00      184.40
PD                      66.00      101.64         N/A        61.00       61.90         61.90       156.60      200.00       62.04
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40       41.00      28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     Included      5.00        5.00
MED                     15.00        24.83      15.00        20.00        8.80          8.80        37.80       60.60       19.80      18.40       11.80
COMP                    73.00      181.38      153.00        71.00       70.70         70.70       177.80      268.60       81.35     184.80      134.70
COLL                   248.00      389.93      478.00       212.00      248.90        248.90       544.90      846.90      251.00     475.40      314.60
          TOTAL       525.00       917.53      839.00       508.00     520.20         520.20      1192.90    1778.90       513.27     994.60     678.50


                   National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
      Kodiak      Union Fire    Allstate      Amica      Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                    (AIG)
BI                      69.00      134.50      159.00       108.00       63.20         63.20       143.20      208.40       58.08     290.90      207.30
PD                      66.00      101.64         N/A        61.00       61.90         61.90       156.60      200.00       62.04
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40       41.00      28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     Included      5.00        5.00
MED                     15.00        24.83      15.00        20.00        8.80          8.80        37.80       60.60       19.80      18.40       12.70
COMP                    73.00      181.38      153.00        71.00       70.70         70.70       177.80      268.60       81.35     188.60      150.70
COLL                   248.00      389.93      478.00       212.00      248.90        248.90       544.90      846.90      251.00     465.50      384.80
          TOTAL       525.00       917.53      839.00       508.00     520.20         520.20      1192.90    1778.90       513.27     996.40     788.50


                   National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
     Wasilla      Union Fire    Allstate      Amica      Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                    (AIG)
BI                      93.00      134.50      159.00       108.00       63.20         63.20       143.20      208.40       68.64     294.40      191.80
PD                      93.00      101.64         N/A        61.00       61.90         61.90       156.60      200.00       86.24
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40       41.00      28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00     Included      5.00        5.00
MED                     16.00        24.83      15.00        20.00        8.80          8.80        37.80       60.60       20.68      18.40       11.80
COMP                    55.00      181.38      153.00        71.00       70.70         70.70       177.80      268.60       62.64     196.70      143.70
COLL                   230.00      389.93      478.00       212.00      248.90        248.90       544.90      846.90      266.16     498.10      335.90
          TOTAL       541.00       917.53      839.00       508.00     520.20         520.20      1192.90    1778.90       545.35    1040.60     716.20


                   National
                                                   1                              Geico          Geico       Geico                   Horace     Horace
 Rest of State    Union Fire    Allstate      Amica      Electric     GEICO                                             Hartford
                                                                                 General       Indemnity    Casualty                 Mann      Mann P&C
                    (AIG)
BI                      69.00      134.50      159.00       108.00       63.20         63.20       143.20      208.40       58.08     290.90      207.30
PD                      66.00      101.64         N/A        61.00       61.90         61.90       156.60      200.00       62.04
UM/UIM BI               54.00        81.65      34.00        27.00       51.70         51.70        94.80      135.40       41.00      28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00         15.00        37.80       59.00   Included        5.00        5.00
MED                     15.00        24.83      15.00        20.00        8.80          8.80        37.80       60.60       19.80      18.40       12.70
COMP                    73.00      181.38      153.00        71.00       70.70         70.70       177.80      268.60       81.35     188.60      150.70
COLL                   248.00      389.93      478.00       212.00      248.90        248.90       544.90      846.90      251.00     465.50      384.80
          TOTAL       525.00       917.53      839.00       508.00     520.20         520.20      1192.90    1778.90       513.27     996.40     788.50


NOTES:

1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages




                                                                                 50
                                                                  Example 8 - Married Couple

                                                                     Driver 1: Male, 60
                                                              Vehicle 1: 2002 Ford F150, 4x4
                                                             Use: Commute - 10 miles one way

                                                               Driver 2: Female, 60
                                             Vehicle 2: 2003 Mercury Grand Marquis GS, 4 Door Sedan
                                                    Use: Pleasure - Less than 10,000 miles/year

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Kenai                    Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   243.50      267.17      126.00       66.00     257.00        252.00       137.20      219.40      211.73     201.19            113.10       113.70
PD                               174.83                   44.00     178.00        243.40       132.40      212.00      Included      Included        91.69          84.97
UM/UIM BI              28.00       75.86       50.00      28.00     176.00         58.60        34.80        53.80        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00        50.20        27.40        41.20         3.60          3.60         5.10           7.06
MED                    15.90       96.77       22.00       9.00       98.00        69.80        34.00        57.20        30.58         29.03        10.67          12.50
COMP                 156.40      132.88        91.00    190.00      108.00         93.00        42.50        72.20        82.12         82.12        62.71          57.90
COLL                 375.50      597.78      280.00     260.00      534.00        797.10       366.90      634.00        240.75       228.75        239.27       250.36
         TOTAL       824.30     1390.80      569.00     603.00     1411.00      1564.10        775.20     1289.80       633.58        609.49       570.08       592.34

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
     Kodiak                    Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   250.40      259.94      126.00       66.00     272.00      N/A           N/A         N/A            203.05       192.82         89.34          89.78
PD                               173.10                   44.00     161.00      N/A           N/A          N/A         Included      Included        72.98          68.00
UM/UIM BI              28.00       75.86       50.00      28.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    15.90       90.43       22.00       9.00       76.00     N/A           N/A          N/A            22.33         21.09         8.42           9.87
COMP                 159.90      125.56        91.00    190.00      104.00      N/A           N/A          N/A            49.03         49.03        58.21          53.85
COLL                 420.00      498.15      280.00     260.00      562.00      N/A           N/A          N/A           202.30       192.47        218.06       227.97
         TOTAL       879.20     1268.57      569.00     603.00     1411.00      N/A           N/A          N/A          545.11        523.81       499.65       522.36

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Wasilla                   Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   253.10      288.83      220.00       89.00     347.00        305.60       166.40      266.20      344.72     327.36            138.64       139.41
PD                               186.95                   59.00     209.00        288.80       157.20      251.60      Included      Included       110.67       102.18
UM/UIM BI              28.00       75.86       50.00      28.00     176.00         61.60        36.60        56.60        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00        51.60        28.20        42.40         3.60          3.60         5.10           7.06
MED                    15.90       97.67       25.00      11.00       95.00        73.40        35.80        60.20        44.80         42.49        12.07          14.14
COMP                 166.70      119.28        72.00    136.00      108.00         90.90        41.60        70.60        62.97         62.97        57.51          53.21
COLL                 401.00      547.96      285.00     250.00      467.00        819.90       377.40      652.20        221.68       210.92        240.88       252.06
         TOTAL       869.70     1362.07      652.00     579.00     1462.00      1691.80        843.20     1399.80       742.57        712.14       612.40       633.91

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
 Rest of State                 Leader                                                 2             3   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             4    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   250.40      240.69      126.00       66.00     229.00        235.60       128.20      205.20      188.17     178.56             94.41          94.89
PD                               173.10                   44.00     168.00        235.20       128.00      204.80      Included      Included        82.66          76.78
UM/UIM BI              28.00       75.86       50.00      28.00     176.00         53.20        31.60        49.00        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00        52.00        28.40        42.80         3.60          3.60         5.10           7.06
MED                    15.90       90.43       22.00       9.00       71.00        63.40        30.80        52.00        27.51         25.99         9.03          10.58
COMP                 159.90      104.63        91.00    190.00      102.00         95.80        43.70        74.40        64.35         64.35        63.43          58.56
COLL                 420.00      498.15      280.00     260.00      489.00        827.50       380.90      658.20        219.99       209.23        249.17       260.80
         TOTAL       879.20     1228.38      569.00     603.00     1295.00      1562.70        771.60     1286.40       568.42        546.53       551.34       574.51


NOTES:
2. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
3. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
4. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.




                                                                                 51
                                                                    Example 9 - Family
                                                              Driver 1: Male, 35
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                             Driver 2: Male, 16
                                               Vehicle 2: 2001 Dodge Neon R/T, 4 Door Sedan
                                                      Use: Commute - 10 miles one way
                   American
                                                   1                              Geico           Geico       Geico                     Horace     Horace
     Anchorage     Internat'l   Allstate     Amica       Electric     GEICO                                              Hartford2
                                                                                 General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     616.00      671.47      719.00       494.00      398.10         398.10       560.00      776.90     N/A          1322.00      914.30
PD                     616.00      531.21         N/A       302.00      398.40         398.40       650.30      761.70     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                    106.00        54.85      86.00        98.00       46.50          46.50        63.30       94.70     N/A            68.50       46.90
COMP                   582.00      235.78      473.00       264.00      431.50         431.50       374.90      572.10     N/A           630.20      468.80
COLL                  1719.00      995.51     2433.00       844.00     1364.40        1364.40      2024.00     2886.00     N/A          2275.40     1679.20
           TOTAL     3693.00      2574.07    3745.00      2038.00      2705.60    2705.60          3805.10    5285.80      N/A          4329.10    3142.20


                   American
     Barrow and                                    1                              Geico           Geico       Geico                     Horace     Horace
                   Internat'l   Allstate     Amica       Electric     GEICO                                              Hartford2
       Nome                                                                      General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     451.00      466.05      472.00       336.00      277.00         277.00       423.50      552.20     N/A          1083.40      834.10
PD                     436.00      359.95         N/A       190.00      270.80         270.80       463.40      529.70     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     94.00        52.32      53.00        63.00       38.20          38.20        50.90       74.30     N/A            68.50       50.80
COMP                   776.00      369.49      679.00       320.00      495.40         495.40       449.80      607.10     N/A           929.10      757.30
COLL                  1865.00     1153.10     2192.00       826.00     1476.00        1476.00      2222.10     3005.20     N/A          2036.30     1759.00
           TOTAL     3676.00      2486.16    3430.00      1771.00      2624.10    2624.10          3742.30    4962.90      N/A          4150.30    3434.20


                   American
                                                   1                              Geico           Geico       Geico                 2   Horace     Horace
       Bethel      Internat'l   Allstate     Amica       Electric     GEICO                                              Hartford
                                                                                 General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     451.00      466.05      472.00       336.00      277.00         277.00       423.50      552.20     N/A          1083.40      834.10
PD                     436.00      359.95         N/A       190.00      270.80         270.80       463.40      529.70     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     94.00        52.32      53.00        63.00       38.20          38.20        50.90       74.30     N/A            68.50       50.80
COMP                   776.00      369.49      679.00       320.00      495.40         495.40       449.80      607.10     N/A           929.10      757.30
COLL                  1865.00     1153.10     2192.00       826.00     1476.00        1476.00      2222.10     3005.20     N/A          2036.30     1759.00
           TOTAL     3676.00      2486.16    3430.00      1771.00      2624.10    2624.10          3742.30    4962.90      N/A          4150.30    3434.20


                   American
                                                   1                              Geico           Geico       Geico                 2   Horace     Horace
     Fairbanks     Internat'l   Allstate     Amica       Electric     GEICO                                              Hartford
                                                                                 General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     438.00      386.27      573.00       338.00      300.80         300.80       425.70      605.70     N/A          1171.80      815.60
PD                     528.00      445.58         N/A       273.00      303.80         303.80       553.20      630.60     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     80.00        37.01      63.00        73.00       35.90          35.90        49.90       70.20     N/A            66.50       45.10
COMP                   666.00      296.06      536.00       268.00      472.40         472.40       403.90      607.10     N/A           836.30      622.30
COLL                  1774.00     1142.54     2422.00       844.00     1445.30        1445.30      2128.70     3005.20     N/A          2014.50     1486.10
           TOTAL     3540.00      2392.71    3628.00      1832.00      2624.90    2624.90          3694.00    5113.20      N/A          4122.10    3002.10


                   American
                                                   1                              Geico           Geico       Geico                 2   Horace     Horace
      Juneau       Internat'l   Allstate     Amica       Electric     GEICO                                              Hartford
                                                                                 General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     336.00      290.54      472.00       336.00      212.90         212.90       338.90      479.40     N/A           914.60      702.50
PD                     379.00      316.84         N/A       190.00      211.50         211.50       393.70      475.80     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     57.00        26.82      53.00        63.00       27.50          27.50        35.90       65.60     N/A            66.50       49.60
COMP                   464.00      199.06      679.00       320.00      324.40         324.40       328.70      493.70     N/A           505.10      411.60
COLL                  1377.00      838.63     2192.00       826.00     1094.60        1094.60      1713.20     2524.80     N/A          1587.80     1128.20
           TOTAL     2667.00      1757.14    3430.00      1771.00      1937.60    1937.60          2943.00    4233.70      N/A          3107.00    2424.90


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                 52
                                                                       Example 9 - Family
                                                                   Driver 1: Male, 35
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way
                                                                   Driver 2: Male, 16
                                                     Vehicle 2: 2001 Dodge Neon R/T, 4 Door Sedan
                                                            Use: Commute - 10 miles one way
                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Anchorage                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                  1188.90      944.00      878.00     318.00     1310.00      1259.60        762.00     1148.00     1311.52    1299.72            600.47       678.40
PD                               678.00                 215.00      839.00      1337.60        809.20     1219.20      Included      Included       479.55       490.06
UM/UIM BI              28.00     110.00        50.00      30.00     176.00        114.20        73.40      106.20         64.80         64.80        47.54          65.84
UM/UIM PD               5.00       66.00                   6.00       60.00       196.80       114.80      173.20          3.60          3.60         5.10           7.06
MED                    61.50     116.00      102.00       35.00     244.00        136.00        71.60      112.80        237.60       235.80        102.01       135.97
COMP                 567.30      241.00      535.00     457.00      177.00        206.90        96.40      158.40        417.08       417.08        448.68       458.91
COLL                2048.80     1677.00     1655.00     895.00     1671.00      3671.00       1801.70     3128.70       1105.28      1097.48       1377.85     1637.32
          TOTAL     3899.50     3832.00     3220.00    1956.00     4477.00      6922.10      3729.10      6046.50      3139.88       3118.48      3061.20      3473.56

                                                                                                          First
     Barrow and   Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
                               Leader                                                 3             4   National                                  USAA
       Nome       Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   975.70      651.03      642.00     277.00      845.00      N/A           N/A         N/A            715.68       709.28        376.57       424.26
PD                               467.59                 187.00      597.00      N/A           N/A          N/A         Included      Included       303.99       310.49
UM/UIM BI              28.00       75.86       50.00      30.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    61.50     100.87        69.00      33.00     177.00      N/A           N/A          N/A           145.80       144.80         75.52       100.66
COMP                 836.90      223.15      565.00     586.00      227.00      N/A           N/A          N/A           425.44       425.44        497.52       508.90
COLL                1962.10     1552.78     1679.00     870.00     1841.00      N/A           N/A          N/A          1095.80      1088.00       1397.81     1661.14
          TOTAL     3869.20     3116.80     3005.00    1989.00     3923.00      N/A           N/A          N/A         2451.12       2435.92      2704.04      3078.36

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
       Bethel                  Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   975.70      651.03      501.00     233.00      845.00      N/A           N/A         N/A            715.68       709.28        376.57       424.26
PD                               467.59                 158.00      597.00      N/A           N/A          N/A         Included      Included       303.99       310.49
UM/UIM BI              28.00       75.86       50.00      30.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    61.50     100.87        82.00      33.00     177.00      N/A           N/A          N/A           145.80       144.80         75.52       100.66
COMP                 836.90      223.15      684.00     646.00      227.00      N/A           N/A          N/A           425.44       425.44        497.52       508.90
COLL                1962.10     1552.78     1623.00     928.00     1841.00      N/A           N/A          N/A          1095.80      1088.00       1397.81     1661.14
          TOTAL     3869.20     3116.80     2940.00    2034.00     3923.00      N/A           N/A          N/A         2451.12       2435.92      2704.04      3078.36

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Fairbanks                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                  1055.10      716.14      642.00     277.00      883.00        971.00       587.40      885.00      901.60     893.40            378.47       426.43
PD                               504.99                 187.00      709.00        982.00       594.00      895.00      Included      Included       350.99       358.56
UM/UIM BI              28.00       83.45       50.00      30.00     176.00         88.20        56.80        82.00        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       50.07                   6.00       60.00       213.20       124.40      187.60          3.60          3.60         5.10           7.06
MED                    59.70       94.82       69.00      33.00     167.00        105.20        55.40        87.20       141.52       140.52         70.51          93.98
COMP                 752.60      261.08      565.00     586.00      242.00        234.10       109.00      179.30        491.40       491.40        496.21       507.56
COLL                1813.80     1614.89     1679.00     870.00     1943.00      3975.90       1951.30     3388.60       1181.80      1173.20       1375.71     1634.76
          TOTAL     3714.20     3325.44     3005.00    1989.00     4180.00      6569.60      3478.30      5704.70      2784.72       2766.92      2724.53      3094.20

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Juneau                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   822.70      624.99      501.00     211.00      779.00        874.60       529.20      797.20      771.68     764.88            308.45       346.96
PD                               411.48                 145.00      472.00        773.20       467.80      704.60      Included      Included       275.64       281.49
UM/UIM BI              28.00       75.86       50.00      30.00     176.00         78.80        50.60        73.20        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00       182.20       106.40      160.40          3.60          3.60         5.10           7.06
MED                    59.70       85.74       69.00      26.00     137.00         93.80        49.40        77.80       118.80       117.80         59.28          79.01
COMP                 455.10      211.99      556.00     413.00      165.00        181.60        84.50      139.00        324.00       324.00        373.22       381.68
COLL                1370.10     1630.42     1599.00     646.00     1500.00      3399.00       1668.10     2896.80       1008.68      1001.48       1075.70     1276.62
          TOTAL     2710.60     3085.99     2775.00    1477.00     3289.00      5583.20      2956.00      4849.00      2291.56       2276.56      2144.92      2438.67


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
                                                                                 53
                                                                    Example 9 - Family
                                                              Driver 1: Male, 35
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                             Driver 2: Male, 16
                                               Vehicle 2: 2001 Dodge Neon R/T, 4 Door Sedan
                                                      Use: Commute - 10 miles one way

                  American
                                                   1                              Geico           Geico       Geico                 2   Horace     Horace
      Kenai       Internat'l    Allstate     Amica       Electric     GEICO                                              Hartford
                                                                                 General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     451.00      466.05      472.00       336.00      277.00         277.00       423.50      552.20     N/A          1053.70      741.40
PD                     436.00      359.95         N/A       190.00      270.80         270.80       463.40      529.70     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     94.00        52.32      53.00        63.00       38.20          38.20        50.90       74.30     N/A            68.50       46.90
COMP                   776.00      369.49      679.00       320.00      495.40         495.40       449.80      607.10     N/A           909.90      676.60
COLL                 1865.00      1153.10     2192.00       826.00     1476.00        1476.00      2222.10     3005.20     N/A          2079.40     1437.40
          TOTAL      3676.00      2486.16    3430.00      1771.00      2624.10    2624.10          3742.30    4962.90      N/A          4144.50    2935.30


                  American
                                                   1                              Geico           Geico       Geico                 2   Horace     Horace
      Kodiak      Internat'l    Allstate     Amica       Electric     GEICO                                              Hartford
                                                                                 General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     451.00      466.05      472.00       336.00      277.00         277.00       423.50      552.20     N/A          1083.40      834.10
PD                     436.00      359.95         N/A       190.00      270.80         270.80       463.40      529.70     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     94.00        52.32      53.00        63.00       38.20          38.20        50.90       74.30     N/A            68.50       50.80
COMP                   776.00      369.49      679.00       320.00      495.40         495.40       449.80      607.10     N/A           929.10      757.30
COLL                 1865.00      1153.10     2192.00       826.00     1476.00        1476.00      2222.10     3005.20     N/A          2036.30     1759.00
          TOTAL      3676.00      2486.16    3430.00      1771.00      2624.10    2624.10          3742.30    4962.90      N/A          4150.30    3434.20


                  American
                                                   1                              Geico           Geico       Geico                 2   Horace     Horace
     Wasilla      Internat'l    Allstate     Amica       Electric     GEICO                                              Hartford
                                                                                 General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     616.00      466.05      472.00       336.00      277.00         277.00       423.50      552.20     N/A          1096.30      770.70
PD                     616.00      359.95         N/A       190.00      270.80         270.80       463.40      529.70     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                    106.00        52.32      53.00        63.00       38.20          38.20        50.90       74.30     N/A            68.50       46.90
COMP                   582.00      369.49      679.00       320.00      495.40         495.40       449.80      607.10     N/A           968.80      721.90
COLL                 1719.00      1153.10     2192.00       826.00     1476.00        1476.00      2222.10     3005.20     N/A          2178.90     1534.70
          TOTAL      3693.00      2486.16    3430.00      1771.00      2624.10    2624.10          3742.30    4962.90      N/A          4345.50    3107.20


                  American
                                                   1                              Geico           Geico       Geico                 2   Horace     Horace
 Rest of State    Internat'l    Allstate     Amica       Electric     GEICO                                              Hartford
                                                                                 General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     451.00      466.05      472.00       336.00      277.00         277.00       423.50      552.20     N/A          1083.40      834.10
PD                     436.00      359.95         N/A       190.00      270.80         270.80       463.40      529.70     N/A
UM/UIM BI               54.00        81.65      34.00        27.00       51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00       15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     94.00        52.32      53.00        63.00       38.20          38.20        50.90       74.30     N/A            68.50       50.80
COMP                   776.00      369.49      679.00       320.00      495.40         495.40       449.80      607.10     N/A           929.10      757.30
COLL                 1865.00      1153.10     2192.00       826.00     1476.00        1476.00      2222.10     3005.20     N/A          2036.30     1759.00
          TOTAL      3676.00      2486.16    3430.00      1771.00      2624.10    2624.10          3742.30    4962.90      N/A          4150.30    3434.20


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                 54
                                                                       Example 9 - Family
                                                                   Driver 1: Male, 35
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way
                                                                   Driver 2: Male, 16
                                                     Vehicle 2: 2001 Dodge Neon R/T, 4 Door Sedan
                                                            Use: Commute - 10 miles one way
                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Kenai                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   948.40      722.65      501.00     233.00      950.00        944.60       571.40      861.00      805.28     798.08            451.49       509.30
PD                               472.26                 158.00      631.00        912.40       552.00      831.60      Included      Included       364.52       372.40
UM/UIM BI              28.00       75.86       50.00      30.00     176.00        104.00        66.80        96.60        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00       191.40       111.60      168.40          3.60          3.60         5.10           7.06
MED                    61.50     107.93        82.00      33.00     242.00        123.80        65.20      102.80        162.00       160.80         87.62       116.78
COMP                 818.60      283.40      684.00     646.00      240.00        246.90       115.00      189.10        542.48       542.48        519.39       531.29
COLL                1753.40     1863.33     1623.00     928.00     2011.00      3568.30       1751.30     3041.20       1199.84      1191.24       1375.71     1634.76
         TOTAL      3614.90     3570.95     2940.00    2034.00     4310.00      6091.40      3233.30      5290.70      2778.00       2761.00      2851.36      3237.44

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
     Kodiak                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   975.70      703.12      501.00     233.00     1007.00      N/A           N/A         N/A            771.68       764.88        338.24       380.76
PD                               467.59                 158.00      573.00      N/A           N/A          N/A         Included      Included       275.36       281.21
UM/UIM BI              28.00       75.86       50.00      30.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    61.50     100.87        82.00      33.00     189.00      N/A           N/A          N/A           118.80       117.80         69.12          92.13
COMP                 836.90      267.78      684.00     646.00      231.00      N/A           N/A          N/A           324.00       324.00        473.64       484.47
COLL                1962.10     1552.78     1623.00     928.00     2114.00      N/A           N/A          N/A          1008.68      1001.48       1234.41     1466.08
         TOTAL      3869.20     3213.51     2940.00    2034.00     4350.00      N/A           N/A          N/A         2291.56       2276.56      2443.41      2777.56

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Wasilla                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   985.90      781.24      878.00     318.00     1282.00      1145.80        693.20     1044.40     1311.52    1299.72            573.22       647.47
PD                               504.99                 215.00      744.00      1082.40        654.80      986.60      Included      Included       454.97       464.92
UM/UIM BI              28.00       75.86       50.00      30.00     176.00        109.40        70.40      101.80         64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00       196.80       114.80      173.20          3.60          3.60         5.10           7.06
MED                    61.50     108.94      102.00       35.00     236.00        130.40        68.80      108.20        237.60       235.80         99.09       132.08
COMP                 872.50      254.39      535.00     457.00      240.00        241.40       112.40      184.90        417.08       417.08        466.45       477.11
COLL                1872.60     1708.06     1655.00     895.00     1756.00      3671.00       1801.70     3128.70       1105.28      1097.48       1386.43     1647.55
         TOTAL      3825.50     3479.00     3220.00    1956.00     4494.00      6577.20      3516.10      5727.80      3139.88       3118.48      3032.80      3442.03

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
 Rest of State                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   975.70      651.03      501.00     233.00      845.00        883.40       534.40      805.20      715.68     709.28            362.42       408.21
PD                               467.59                 158.00      597.00        881.40       533.20      803.40      Included      Included       321.48       328.38
UM/UIM BI              28.00       75.86       50.00      30.00     176.00         94.60        60.80        87.80        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00       198.60       116.00      174.80          3.60          3.60         5.10           7.06
MED                    61.50     100.87        82.00      33.00     177.00        112.60        59.40        93.40       145.80       144.80         74.14          98.82
COMP                 836.90      223.15      684.00     646.00      227.00        254.10       118.40      194.70        425.44       425.44        526.79       538.87
COLL                1962.10     1552.78     1623.00     928.00     1841.00      3704.90       1818.30     3157.60       1095.80      1088.00       1441.61     1713.42
         TOTAL      3869.20     3116.80     2940.00    2034.00     3923.00      6129.60      3240.50      5316.90      2451.12       2435.92      2779.09      3160.61


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.




                                                                                 55
                                                                    Example 10 - Family
                                                             Driver 1: Female, 35
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                            Driver 2: Female, 16
                                               Vehicle 2: 2001 Dodge Neon R/T, 4 Door Sedan
                                                      Use: Commute - 10 miles one way
                    National
                                                   1                               Geico           Geico       Geico                     Horace     Horace
     Anchorage     Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford2
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     405.00      514.25      535.00       403.00       283.20         283.20       410.70      599.00     N/A           918.00      634.80
PD                     405.00      409.54         N/A       246.00       283.40         283.40       476.90      587.30     N/A
UM/UIM BI               54.00        81.65      34.00        27.00        51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00        15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     69.00        61.52      70.00        80.00        33.10          33.10        73.50      109.10     N/A            47.60       32.60
COMP                   385.00      152.08      343.00       211.00       239.10         239.10       314.70      480.80     N/A           434.00      322.90
COLL                  1133.00      707.68     1750.00       681.00       960.90         960.90      1408.90     2137.00     N/A          1570.10     1158.80
           TOTAL     2451.00      1930.32    2732.00      1657.00      1866.40     1866.40          2817.30    4107.60      N/A          3002.70    2182.10


                    National
     Barrow and                                    1                               Geico           Geico       Geico                     Horace     Horace
                   Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford2
       Nome                                                                       General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     297.00      356.92      355.00       274.00       197.10         197.10       310.60      425.80     N/A           752.40      579.30
PD                     287.00      277.48         N/A       155.00       192.60         192.60       339.80      408.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00        51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00        15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     61.00        58.70      44.00        52.00        27.20          27.20        59.20       85.50     N/A            47.60       35.30
COMP                   508.00      238.27      490.00       256.00       274.50         274.50       377.60      510.10     N/A           639.90      521.50
COLL                  1231.00      819.70     1579.00       666.00      1039.50        1039.50      1546.80     2225.20     N/A          1405.00     1213.70
           TOTAL     2438.00      1836.32    2502.00      1439.00      1797.60     1797.60          2766.60    3849.40      N/A          2877.90    2382.80


                    National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
       Bethel      Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     297.00      356.92      355.00       274.00       197.10         197.10       310.60      425.80     N/A           752.40      579.30
PD                     287.00      277.48         N/A       155.00       192.60         192.60       339.80      408.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00        51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00        15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     61.00        58.70      44.00        52.00        27.20          27.20        59.20       85.50     N/A            47.60       35.30
COMP                   508.00      238.27      490.00       256.00       274.50         274.50       377.60      510.10     N/A           639.90      521.50
COLL                  1231.00      819.70     1579.00       666.00      1039.50        1039.50      1546.80     2225.20     N/A          1405.00     1213.70
           TOTAL     2438.00      1836.32    2502.00      1439.00      1797.60     1797.60          2766.60    3849.40      N/A          2877.90    2382.80


                    National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
     Fairbanks     Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     289.00      295.82      429.00       276.00       214.00         214.00       312.20      467.00     N/A           813.80      566.40
PD                     347.00      343.50         N/A       223.00       216.20         216.20       405.70      486.20     N/A
UM/UIM BI               54.00        81.65      34.00        27.00        51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00        15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     53.00        41.61      51.00        60.00        25.60          25.60        58.10      537.10     N/A            46.20       31.20
COMP                   437.00      190.91      389.00       215.00       261.70         261.70       339.00      510.10     N/A           575.90      428.50
COLL                  1171.00      812.20     1743.00       681.00      1017.90        1017.90      1481.80     2225.20     N/A          1390.00     1025.40
           TOTAL     2351.00      1769.29    2646.00      1491.00      1802.10     1802.10          2729.40    4420.00      N/A          2858.90    2084.50


                    National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
      Juneau       Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     222.00      222.50      355.00       274.00       151.50         151.50       248.60      369.60     N/A           635.10      487.70
PD                     250.00      244.25         N/A       155.00       150.50         150.50       288.70      366.90     N/A
UM/UIM BI               54.00        81.65      34.00        27.00        51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00        15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     37.00        30.24      44.00        52.00        19.60          19.60        41.70       75.60     N/A            46.20       34.50
COMP                   307.00      128.41      490.00       256.00       179.70         179.70       275.80      414.90     N/A           347.90      283.50
COLL                   910.00      596.15     1579.00       666.00       770.90         770.90      1192.60     1869.60     N/A          1095.60      847.50
           TOTAL     1780.00      1306.80    2502.00      1439.00      1338.90     1338.90          2180.00    3291.00      N/A          2157.80    1686.20


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                  56
                                                                      Example 10 - Family
                                                                  Driver 1: Female, 35
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way
                                                                  Driver 2: Female, 16
                                                     Vehicle 2: 2001 Dodge Neon R/T, 4 Door Sedan
                                                            Use: Commute - 10 miles one way
                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Anchorage                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   820.30      800.00      601.00     224.00     1145.00        988.80       594.20      899.00      983.64     971.84            419.38       456.22
PD                               575.00                 151.00      733.00      1050.00        631.00      954.60      Included      Included       335.14       330.39
UM/UIM BI              28.00     110.00        50.00      30.00     176.00        112.80        73.20      105.00         64.80         64.80        47.54          65.84
UM/UIM PD               5.00       66.00                   6.00       60.00       148.40        86.40      130.20          3.60          3.60         5.10           7.06
MED                    42.50     132.00        69.00      26.00     254.00        134.40        71.40      111.40        176.00       174.20         67.51          86.69
COMP                 388.40      186.00      360.00     291.00      131.00        152.70        71.00      117.40        305.36       305.36        306.10       301.94
COLL                1405.50     1283.00     1118.00     622.00     1244.00      2768.50       1355.50     2352.60        817.16       809.36        945.06     1080.73
          TOTAL     2690.00     3152.00     2198.00    1350.00     3743.00      5355.60      2882.70      4670.20      2350.56       2329.16      2125.83      2328.87

                                                                                                          First
     Barrow and   Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
                               Leader                                                 3             4   National                                  USAA
       Nome       Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   673.50      551.72      440.00     194.00      739.00      N/A           N/A         N/A            536.76       530.36        265.72       288.27
PD                               396.55                 132.00      522.00      N/A           N/A          N/A         Included      Included       214.66       211.72
UM/UIM BI              28.00       75.86       50.00      30.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    42.50     114.78        48.00      24.00     184.00      N/A           N/A          N/A           108.00       107.00         49.98          64.18
COMP                 573.00      172.22      379.00     372.00      169.00      N/A           N/A          N/A           311.48       311.48        338.96       334.33
COLL                1345.90     1187.96     1134.00     604.00     1371.00      N/A           N/A          N/A           810.20       802.40        958.56     1096.26
          TOTAL     2667.90     2544.62     2051.00    1362.00     3221.00      N/A           N/A          N/A         1834.84       1819.64      1880.52      2067.66

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
       Bethel                  Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   673.50      551.72      343.00     163.00      739.00      N/A           N/A         N/A            536.76       530.36        265.72       288.27
PD                               396.55                 112.00      522.00      N/A           N/A          N/A         Included      Included       214.66       211.72
UM/UIM BI              28.00       75.86       50.00      30.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    42.50     114.78        56.00      24.00     184.00      N/A           N/A          N/A           108.00       107.00         49.98          64.18
COMP                 573.00      172.22      460.00     410.00      169.00      N/A           N/A          N/A           311.48       311.48        338.96       334.33
COLL                1345.90     1187.96     1096.00     646.00     1371.00      N/A           N/A          N/A           810.20       802.40        958.56     1096.26
          TOTAL     2667.90     2544.62     2005.00    1391.00     3221.00      N/A           N/A          N/A         1834.84       1819.64      1880.52      2067.66

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Fairbanks                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   728.30      606.90      440.00     194.00      771.00        762.20       458.00      693.00      676.20     668.00            267.03       289.70
PD                               428.28                 132.00      619.00        770.80       463.20      700.80      Included      Included       246.91       243.49
UM/UIM BI              28.00       83.45       50.00      30.00     176.00         87.20        56.60        81.00        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       50.07                   6.00       60.00       160.80        93.60      141.20          3.60          3.60         5.10           7.06
MED                    41.30     107.90        48.00      24.00     174.00        103.80        55.20        86.00       104.84       103.84         46.66          59.92
COMP                 515.30      201.50      379.00     372.00      179.00        172.80        80.40      132.90        359.80       359.80        338.08       333.46
COLL                1244.20     1235.48     1134.00     604.00     1447.00      2998.40       1468.00     2548.00        873.80       865.20        943.61     1079.06
          TOTAL     2562.10     2713.57     2051.00    1362.00     3426.00      5056.00      2675.00      4382.90      2083.04       2065.24      1894.93      2078.54

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Juneau                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   567.90      529.66      343.00     147.00      681.00        686.60       412.60      624.40      578.76     571.96            218.98       237.18
PD                               348.97                 103.00      413.00        607.00       364.80      551.80      Included      Included       195.20       192.56
UM/UIM BI              28.00       75.86       50.00      30.00     176.00         77.80        50.40        72.40        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00       137.40        80.00      120.60          3.60          3.60         5.10           7.06
MED                    41.30       97.57       48.00      19.00     142.00         92.60        49.20        76.80        88.00         87.00        39.23          50.38
COMP                 311.60      163.61      374.00     262.00      123.00        134.10        62.30      103.10        237.20       237.20        255.34       251.89
COLL                 939.80     1247.36     1080.00     449.00     1117.00      2563.30       1254.90     2178.20        745.76       738.56        740.54       845.60
          TOTAL     1893.60     2508.54     1895.00    1016.00     2712.00      4298.80      2274.20      3727.30      1718.12       1703.12      1501.92      1650.51


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
                                                                                 57
                                                                    Example 10 - Family
                                                             Driver 1: Female, 35
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                            Driver 2: Female, 16
                                               Vehicle 2: 2001 Dodge Neon R/T, 4 Door Sedan
                                                      Use: Commute - 10 miles one way

                   National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
      Kenai       Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     297.00      356.92      355.00       274.00       197.10         197.10       310.60      425.80     N/A           731.70      514.80
PD                     287.00      277.48         N/A       155.00       192.60         192.60       339.80      408.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00        51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00        15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     61.00        58.70      44.00        52.00        27.20          27.20        59.20       85.50     N/A            47.60       32.60
COMP                   508.00      238.27      490.00       256.00       274.50         274.50       377.60      510.10     N/A           626.60      466.00
COLL                 1231.00       819.70     1579.00       666.00      1039.50        1039.50      1546.80     2225.20     N/A          1434.80      991.80
          TOTAL      2438.00      1836.32    2502.00      1439.00      1797.60     1797.60          2766.60    3849.40      N/A          2873.70    2038.20


                   National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
      Kodiak      Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     297.00      356.92      355.00       274.00       197.10         197.10       310.60      425.80     N/A           752.40      579.30
PD                     287.00      277.48         N/A       155.00       192.60         192.60       339.80      408.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00        51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00        15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     61.00        58.70      44.00        52.00        27.20          27.20        59.20       85.50     N/A            47.60       35.30
COMP                   508.00      238.27      490.00       256.00       274.50         274.50       377.60      510.10     N/A           639.90      521.50
COLL                 1231.00       819.70     1579.00       666.00      1039.50        1039.50      1546.80     2225.20     N/A          1405.00     1213.70
          TOTAL      2438.00      1836.32    2502.00      1439.00      1797.60     1797.60          2766.60    3849.40      N/A          2877.90    2382.80


                   National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
     Wasilla      Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     405.00      356.92      355.00       274.00       197.10         197.10       310.60      425.80     N/A           761.30      535.10
PD                     405.00      277.48         N/A       155.00       192.60         192.60       339.80      408.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00        51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00        15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     69.00        58.70      44.00        52.00        27.20          27.20        59.20       85.50     N/A            47.60       32.60
COMP                   385.00      238.27      490.00       256.00       274.50         274.50       377.60      510.10     N/A           667.20      497.20
COLL                 1133.00       819.70     1579.00       666.00      1039.50        1039.50      1546.80     2225.20     N/A          1503.40     1058.90
          TOTAL      2451.00      1836.32    2502.00      1439.00      1797.60     1797.60          2766.60    3849.40      N/A          3012.50    2156.80


                   National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
 Rest of State    Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     297.00      356.92      355.00       274.00       197.10         197.10       310.60      425.80     N/A           752.40      579.30
PD                     287.00      277.48         N/A       155.00       192.60         192.60       339.80      408.40     N/A
UM/UIM BI               54.00        81.65      34.00        27.00        51.70          51.70        94.80      135.40     N/A            28.00       28.00
UM/UIM PD            Included         3.60        N/A         9.00        15.00          15.00        37.80       59.00     N/A             5.00        5.00
MED                     61.00        58.70      44.00        52.00        27.20          27.20        59.20       85.50     N/A            47.60       35.30
COMP                   508.00      238.27      490.00       256.00       274.50         274.50       377.60      510.10     N/A           639.90      521.50
COLL                 1231.00       819.70     1579.00       666.00      1039.50        1039.50      1546.80     2225.20     N/A          1405.00     1213.70
          TOTAL      2438.00      1836.32    2502.00      1439.00      1797.60     1797.60          2766.60    3849.40      N/A          2877.90    2382.80


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                  58
                                                                      Example 10 - Family
                                                                  Driver 1: Female, 35
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way
                                                                  Driver 2: Female, 16
                                                     Vehicle 2: 2001 Dodge Neon R/T, 4 Door Sedan
                                                            Use: Commute - 10 miles one way
                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Kenai                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   654.80      612.41      343.00     163.00      830.00        741.60       445.60      674.20      603.96     596.76            317.14       344.47
PD                               400.52                 112.00      552.00        716.20       430.40      651.20      Included      Included       256.20       252.64
UM/UIM BI              28.00       75.86       50.00      30.00     176.00        102.60        66.60        95.60        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00       144.20        84.00      126.60          3.60          3.60         5.10           7.06
MED                    42.50     122.82        56.00      24.00     252.00        122.40        65.00      101.40        120.00       118.80         57.98          74.46
COMP                 560.50      218.72      460.00     410.00      178.00        182.30        84.70      140.20        397.16       397.16        353.67       348.83
COLL                1202.80     1425.56     1096.00     646.00     1498.00      2691.10       1317.50     2286.80        887.08       878.48        943.61     1079.06
         TOTAL      2493.60     2901.41     2005.00    1391.00     3546.00      4700.40      2493.80      4076.00      2076.60       2059.60      1981.24      2172.37

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
     Kodiak                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                   673.50      595.86      343.00     163.00      879.00      N/A           N/A         N/A            578.76       571.96        239.42       259.52
PD                               396.55                 112.00      500.00      N/A           N/A          N/A         Included      Included       195.01       192.37
UM/UIM BI              28.00       75.86       50.00      30.00     176.00      N/A           N/A          N/A            64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00     N/A           N/A          N/A             3.60          3.60         5.10           7.06
MED                    42.50     114.78        56.00      24.00     197.00      N/A           N/A          N/A            88.00         87.00        45.74          58.74
COMP                 573.00      206.67      460.00     410.00      172.00      N/A           N/A          N/A           237.20       237.20        322.90       318.50
COLL                1345.90     1187.96     1096.00     646.00     1574.00      N/A           N/A          N/A           745.76       738.56        847.96       969.10
         TOTAL      2667.90     2623.21     2005.00    1391.00     3558.00      N/A           N/A          N/A         1718.12       1703.12      1703.68      1871.14

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Wasilla                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   680.60      662.07      601.00     224.00     1121.00        899.60       540.60      817.80      983.64     971.84            400.68       435.78
PD                               428.28                 151.00      651.00        849.80       510.60      772.60      Included      Included       318.27       313.78
UM/UIM BI              28.00       75.86       50.00      30.00     176.00        108.20        70.20      100.60         64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00       148.40        86.40      130.20          3.60          3.60         5.10           7.06
MED                    42.50     123.97        69.00      26.00     245.00        128.80        68.40      106.80        176.00       174.20         65.58          84.21
COMP                 597.40      196.33      360.00     291.00      178.00        178.20        82.90      137.10        305.36       305.36        318.06       313.73
COLL                1284.60     1306.76     1118.00     622.00     1307.00      2768.50       1355.50     2352.60        817.16       809.36        950.86     1087.40
         TOTAL      2638.10     2838.78     2198.00    1350.00     3738.00      5081.50      2714.60      4417.70      2350.56       2329.16      2106.09      2307.80

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
 Rest of State                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   673.50      551.72      343.00     163.00      739.00        693.60       416.80      630.60      536.76     530.36            256.02       277.66
PD                               396.55                 112.00      522.00        692.00       415.80      629.00      Included      Included       226.67       223.55
UM/UIM BI              28.00       75.86       50.00      30.00     176.00         93.40        60.60        86.80        64.80         64.80        47.54          65.84
UM/UIM PD               5.00       45.52                   6.00       60.00       149.80        87.20      131.40          3.60          3.60         5.10           7.06
MED                    42.50     114.78        56.00      24.00     184.00        111.20        59.00        92.20       108.00       107.00         49.07          63.01
COMP                 573.00      172.22      460.00     410.00      169.00        187.60        87.20      144.30        311.48       311.48        358.66       353.75
COLL                1345.90     1187.96     1096.00     646.00     1371.00      2794.00       1368.00     2374.30        810.20       802.40        988.21     1130.34
         TOTAL      2667.90     2544.62     2005.00    1391.00     3221.00      4721.60      2494.60      4088.60      1834.84       1819.64      1931.25      2121.20


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.




                                                                                 59
                                                                    Example 11 - Family
                                                              Driver 1: Male, 40
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                             Driver 2: Female, 40
                                                 Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                             Driver 3: Male, 16
                                               Vehicle 3: 2001 Dodge Neon R/T, 4 Door Sedan
                                                      Use: Commute - 10 miles one way
                    National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
     Anchorage     Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     588.00      780.44      890.00       604.00       462.80         462.80       659.60      931.20     N/A          1530.00     1058.20
PD                     588.00      615.54         N/A       369.00       463.10         463.10       765.90      913.00     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        13.50        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                    102.00        74.39     105.00       119.00        54.10          54.10        86.50      133.50     N/A            79.20       54.20
COMP                   531.00      274.63      533.00       300.00       474.30         474.30       435.70      676.20     N/A           699.10      520.10
COLL                  1607.00     1171.35     2817.00       987.00      1528.70        1528.70      2287.50     3314.70     N/A          2557.80     1887.60
           TOTAL     3497.00      3040.89    4396.00      2432.50      3080.20     3080.20          4434.10    6260.20      N/A          4915.60    3569.60

                    National
     Barrow and                                    1                               Geico           Geico       Geico                 2   Horace     Horace
                   Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
       Nome                                                                       General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     432.00      541.67      589.00       411.00       322.00         322.00       498.80      661.90     N/A          1253.90      965.50
PD                     417.00      417.11         N/A       233.00       314.80         314.80       545.80      634.90     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     89.00        70.95      65.00        78.00        44.50          44.50        69.60      104.70     N/A            79.20       58.80
COMP                   701.00      430.37      761.00       364.00       544.60         544.60       522.90      717.70     N/A          1030.70      840.20
COLL                  1744.00     1356.78     2540.00       965.00      1653.70        1653.70      2511.40     3451.60     N/A          2289.10     1977.40
           TOTAL     3464.00      2941.42    4005.00      2105.00      2976.80     2976.80          4347.40    5862.40      N/A          4702.40    3891.40

                    National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
       Bethel      Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     432.00      541.67      589.00       411.00       322.00         322.00       498.80      661.90     N/A          1253.90      965.50
PD                     417.00      417.11         N/A       233.00       314.80         314.80       545.80      634.90     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     89.00        70.95      65.00        78.00        44.50          44.50        69.60      104.70     N/A            79.20       58.80
COMP                   701.00      430.37      761.00       364.00       544.60         544.60       522.90      717.70     N/A          1030.70      840.20
COLL                  1744.00     1356.78     2540.00       965.00      1653.70        1653.70      2511.40     3451.60     N/A          2289.10     1977.40
           TOTAL     3464.00      2941.42    4005.00      2105.00      2976.80     2976.80          4347.40    5862.40      N/A          4702.40    3891.40

                    National
                                                   1                               Geico           Geico       Geico                     Horace     Horace
     Fairbanks     Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford2
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     420.00      448.96      712.00       413.00       349.70         349.70       501.40      726.00     N/A          1356.30      944.00
PD                     505.00      516.31         N/A       334.00       353.20         353.20       651.60      755.90     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     78.00        50.10      77.00        89.00        41.80          41.80        68.40       98.80     N/A            77.00       52.20
COMP                   603.00      344.83      602.00       305.00       519.30         519.30       469.40      717.70     N/A           927.80      690.40
COLL                  1660.00     1344.37     2804.00       987.00      3467.80        3467.80      2405.90     3451.60     N/A          2264.50     1670.60
           TOTAL     3347.00      2829.11    4246.00      2182.00      4829.00     4829.00          4295.60    6041.60      N/A          4675.10    3406.70

                    National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
      Juneau       Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     322.00      337.69      589.00       411.00       247.50         247.50       399.20      574.60     N/A          1058.50      813.00
PD                     363.00      367.16         N/A       233.00       245.90         245.90       463.70      570.30     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     54.00        36.22      65.00        78.00        32.00          32.00        49.10       92.50     N/A            77.00       57.40
COMP                   424.00      231.89      761.00       364.00       356.70         356.70       382.10      583.40     N/A           560.40      456.60
COLL                  1291.00      986.77     2540.00       965.00      1226.40        1226.40      1936.30     2899.80     N/A          1784.90     1380.80
           TOTAL     2535.00      2084.27    4005.00      2105.00      2205.70     2205.70          3429.30    5012.20      N/A          3530.30    2757.30

NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements



                                                                                  60
                                                                      Example 11 - Family
                                                                   Driver 1: Male, 40
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way
                                                                   Driver 2: Female, 40
                                                       Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                            Use: Commute - 10 miles one way
                                                                   Driver 3: Male, 16
                                                     Vehicle 3: 2001 Dodge Neon R/T, 4 Door Sedan
                                                            Use: Commute - 10 miles one way
                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Anchorage                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                  1367.70     1030.00      976.00      396.00    1520.00      1463.10        868.80     1319.40     1545.72    1522.12            702.64       781.17
PD                               739.00                  267.00     980.00      1553.70        922.80     1401.00      Included      Included       561.38       565.18
UM/UIM BI              42.00     165.00        75.00      28.00     264.00        153.30        96.30      142.20         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       99.00                   9.00       90.00       226.80       131.10      198.00          5.40          5.40         7.65        10.60
MED                    70.70     180.00      113.00       44.00     327.00        182.70        93.90      150.90        272.80       269.20        115.28       151.52
COMP                 626.50      296.00      564.00      524.00     215.00        229.90       106.70      176.60        454.48       454.48        486.44       493.66
COLL                2291.70     1523.00     1775.00     1045.00    1890.00      4022.40       1954.90     3397.50       1250.08      1235.08       1548.60     1816.42
          TOTAL     4406.10     4032.00     3503.00    2313.00     5286.00      7831.90      4174.50      6785.60      3625.68       3583.48      3493.29      3917.32

                                                                                                          First
     Barrow and   Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
                               Leader                                                 3             4   National                                  USAA
       Nome       Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                  1122.50      710.34      714.00      345.00     980.00      N/A           N/A         N/A            843.48       830.68        443.61       491.68
PD                               509.66                  232.00     697.00      N/A           N/A          N/A         Included      Included       358.28       360.64
UM/UIM BI              42.00     113.79        75.00      28.00     264.00      N/A           N/A          N/A            97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00     N/A           N/A          N/A             5.40          5.40         7.65        10.60
MED                    70.70     156.52        75.00      42.00     239.00      N/A           N/A          N/A           167.40       165.40         85.34       112.17
COMP                 924.30      274.07      595.00      671.00     277.00      N/A           N/A          N/A           463.64       463.64        538.79       546.81
COLL                2194.80     1410.19     1801.00     1016.00    2082.00      N/A           N/A          N/A          1239.40      1224.60       1570.81     1842.62
          TOTAL     4361.80     3242.85     3260.00    2343.00     4629.00      N/A           N/A          N/A         2816.52       2786.92      3075.79      3463.29

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                 State Farm State Farm                    USAA
       Bethel                  Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5       F&C       Mutual                     Casualty
                                                                                                        (Safeco)
BI                  1122.50      710.34      558.00      291.00     980.00      N/A           N/A         N/A            843.48       830.68        443.61       491.68
PD                               509.66                  196.00     697.00      N/A           N/A          N/A         Included      Included       358.28       360.64
UM/UIM BI              42.00     113.79        75.00      28.00     264.00      N/A           N/A          N/A            97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00     N/A           N/A          N/A             5.40          5.40         7.65        10.60
MED                    70.70     156.52        94.00      42.00     239.00      N/A           N/A          N/A           167.40       165.40         85.34       112.17
COMP                 924.30      274.07      720.00      739.00     277.00      N/A           N/A          N/A           463.64       463.64        538.79       546.81
COLL                2194.80     1410.19     1740.00     1085.00    2082.00      N/A           N/A          N/A          1239.40      1224.60       1570.81     1842.62
          TOTAL     4361.80     3242.85     3187.00    2390.00     4629.00      N/A           N/A          N/A         2816.52       2786.92      3075.79      3463.29

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Fairbanks                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                  1213.80      781.38      714.00      345.00    1024.00      1127.70        669.90     1017.00     1062.60    1046.20            445.82       494.15
PD                               550.43                  232.00     829.00      1140.60        677.40     1028.70      Included      Included       412.65       415.39
UM/UIM BI              42.00     125.17        75.00      28.00     264.00        118.50        74.40      109.80         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       75.10                   9.00       90.00       245.70       141.90      214.50          5.40          5.40         7.65        10.60
MED                    68.70     147.13        75.00      42.00     225.00        141.00        72.60      116.70        162.52       160.52         79.68       104.73
COMP                 831.20      320.67      595.00      671.00     294.00        260.20       120.80      199.70        535.60       535.60        537.39       545.39
COLL                2028.90     1466.59     1801.00     1016.00    2197.00      4356.90       2117.40     3680.00       1336.60      1320.40       1546.21     1813.61
          TOTAL     4192.10     3466.47     3260.00    2343.00     4923.00      7390.60      3874.40      6366.40      3199.92       3165.32      3100.70      3482.63

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Juneau                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   946.40      681.93      558.00      263.00     903.00      1016.10        603.30      916.20      909.48     895.88            364.82       403.62
PD                               448.50                  180.00     552.00        898.20       533.40      810.00      Included      Included       325.48       327.60
UM/UIM BI              42.00     113.79        75.00      28.00     264.00        105.60        66.30        98.10        97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00       210.00       121.50      183.30          5.40          5.40         7.65        10.60
MED                    68.70     133.04        75.00      33.00     183.00        126.00        64.80      104.10        136.40       134.40         66.99        88.05
COMP                 502.60      260.37      585.00      473.00     200.00        201.70        93.70      155.00        353.20       353.20        405.57       411.54
COLL                1532.60     1480.69     1715.00      755.00    1697.00      3724.20       1810.00     3145.60       1140.68      1127.08       1212.26     1419.66
          TOTAL     3099.80     3186.60     3008.00    1741.00     3889.00      6281.80      3293.00      5412.30      2642.36       2613.16      2454.07      2759.83

NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.                                                                         61
                                                                    Example 11 - Family
                                                              Driver 1: Male, 40
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                             Driver 2: Female, 40
                                                 Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                             Driver 3: Male, 16
                                               Vehicle 3: 2001 Dodge Neon R/T, 4 Door Sedan
                                                      Use: Commute - 10 miles one way
                   National
                                                   1                               Geico           Geico       Geico                 2   Horace      Horace
      Kenai       Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann       Mann P&C
                    (AIG)
BI                     432.00      541.67      589.00       411.00       322.00         322.00       498.80      661.90     N/A          1219.60.      858.20
PD                     417.00      417.11         N/A       233.00       314.80         314.80       545.80      634.90     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00        42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50         7.50
MED                     89.00        70.95      65.00        78.00        44.50          44.50        69.60      104.70     N/A            79.20        54.20
COMP                   701.00      430.37      761.00       364.00       544.60         544.60       522.90      717.70     N/A          1009.40       750.70
COLL                 1744.00      1356.78     2540.00       965.00      1653.70        1653.70      2511.40     3451.60     N/A          2337.50      1615.80
          TOTAL      3464.00      2941.42    4005.00      2105.00      2976.80     2976.80          4347.40    5862.40      N/A          4695.20     3328.40


                   National
                                                   1                               Geico           Geico       Geico                 2   Horace      Horace
      Kodiak      Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann       Mann P&C
                    (AIG)
BI                     432.00      541.67      589.00       411.00       322.00         322.00       498.80      661.90     N/A          1253.90       965.50
PD                     417.00      417.11         N/A       233.00       314.80         314.80       545.80      634.90     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00        42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50         7.50
MED                     89.00        70.95      65.00        78.00        44.50          44.50        69.60      104.70     N/A            79.20        58.80
COMP                   701.00      430.37      761.00       364.00       544.60         544.60       522.90      717.70     N/A          1030.70       840.20
COLL                 1744.00      1356.78     2540.00       965.00      1653.70        1653.70      2511.40     3451.60     N/A          2289.10      1977.40
          TOTAL      3464.00      2941.42    4005.00      2105.00      2976.80     2976.80          4347.40    5862.40      N/A          4702.40     3891.40


                   National
                                                   1                               Geico           Geico       Geico                     Horace      Horace
     Wasilla      Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford2
                                                                                  General        Indemnity    Casualty                   Mann       Mann P&C
                    (AIG)
BI                     588.00      541.67      589.00       411.00       322.00         322.00       498.80      661.90     N/A          1268.90       892.00
PD                     588.00      417.11         N/A       233.00       314.80         314.80       545.80      634.90     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00        42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50         7.50
MED                    102.00        70.95      65.00        78.00        44.50          44.50        69.60      104.70     N/A            79.20        54.20
COMP                   531.00      430.37      761.00       364.00       544.60         544.60       522.90      717.70     N/A          1074.80       800.80
COLL                 1607.00      1356.78     2540.00       965.00      1653.70        1653.70      2511.40     3451.60     N/A          2449.40      1725.20
          TOTAL      3497.00      2941.42    4005.00      2105.00      2976.80     2976.80          4347.40    5862.40      N/A          4921.80     3521.70


                   National
                                                   1                               Geico           Geico       Geico                 2   Horace      Horace
 Rest of State    Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann       Mann P&C
                    (AIG)
BI                     432.00      541.67      589.00       411.00       322.00         322.00       498.80      661.90     N/A          1253.90       965.50
PD                     417.00      417.11         N/A       233.00       314.80         314.80       545.80      634.90     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00        42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50         7.50
MED                     89.00        70.95      65.00        78.00        44.50          44.50        69.60      104.70     N/A            79.20        58.80
COMP                   701.00      430.37      761.00       364.00       544.60         544.60       522.90      717.70     N/A          1030.70       840.20
COLL                 1744.00      1356.78     2540.00       965.00      1653.70        1653.70      2511.40     3451.60     N/A          2289.10      1977.40
          TOTAL      3464.00      2941.42    4005.00      2105.00      2976.80     2976.80          4347.40    5862.40      N/A          4702.40     3891.40


NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                  62
                                                                      Example 11 - Family
                                                                   Driver 1: Male, 40
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way
                                                                   Driver 2: Female, 40
                                                       Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                            Use: Commute - 10 miles one way
                                                                   Driver 3: Male, 16
                                                     Vehicle 3: 2001 Dodge Neon R/T, 4 Door Sedan
                                                            Use: Commute - 10 miles one way
                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Kenai                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                  1091.10      788.48      558.00      291.00    1101.00      1097.40        651.60      989.40      949.08     934.68            530.29       588.55
PD                               514.75                  196.00     738.00      1059.90        629.40      955.80      Included      Included       428.31       431.16
UM/UIM BI              42.00     113.79        75.00      28.00     264.00        139.50        87.60      129.30         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00       220.50       127.50      192.30          5.40          5.40         7.65        10.60
MED                    70.70     167.48        94.00      42.00     325.00        166.20        85.50      137.40        186.00       183.60         99.01       130.14
COMP                 904.10      348.07      720.00      739.00     291.00        274.40       127.30      210.70        591.28       591.28        562.23       570.62
COLL                1961.40     1692.22     1740.00     1085.00    2275.00      3909.60       1900.00     3302.10       1357.04      1340.64       1546.21       402.99
         TOTAL      4076.80     3693.08     3187.00    2390.00     5084.00      6867.50      3608.90      5917.00      3186.00       3152.80      3245.00      2232.82

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                State Farm State Farm                     USAA
     Kodiak                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5      F&C       Mutual                      Casualty
                                                                                                        (Safeco)
BI                  1122.50      767.17      558.00      291.00    1167.00      N/A           N/A         N/A            909.48       895.88        399.27       442.13
PD                               509.66                  196.00     670.00      N/A           N/A          N/A         Included      Included       325.16       327.28
UM/UIM BI              42.00     113.79        75.00      28.00     264.00      N/A           N/A          N/A            97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00     N/A           N/A          N/A             5.40          5.40         7.65        10.60
MED                    70.70     156.52        94.00      42.00     254.00      N/A           N/A          N/A           136.40       134.40         78.11       102.67
COMP                 924.30      328.89      720.00      739.00     281.00      N/A           N/A          N/A           353.20       353.20        513.20       520.83
COLL                2194.80     1410.19     1740.00     1085.00    2390.00      N/A           N/A          N/A          1140.68      1127.08       1388.93     1628.07
         TOTAL      4361.80     3354.49     3187.00    2390.00     5116.00      N/A           N/A          N/A         2642.36       2613.16      2783.63      3130.33

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Wasilla                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                  1134.20      852.41      976.00      396.00    1487.00      1331.10        790.50     1200.30     1545.72    1522.12            671.12       745.95
PD                               550.43                  267.00     870.00      1257.30        746.70     1133.70      Included      Included       532.94       536.55
UM/UIM BI              42.00     113.79        75.00      28.00     264.00        147.00        92.10      136.20         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00       226.80       131.10      198.00          5.40          5.40         7.65        10.60
MED                    70.70     169.04      113.00       44.00     317.00        175.20        90.00      144.60        272.80       269.20        111.98       147.19
COMP                 763.60      312.44      564.00      524.00     291.00        268.30       124.60      206.00        454.48       454.48        505.49       513.01
COLL                2094.70     1551.20     1775.00     1045.00    1985.00      4022.40       1954.90     3397.50       1250.08      1235.08       1558.14     1827.68
         TOTAL      4312.70     3617.60     3503.00    2313.00     5304.00      7428.10      3929.90      6416.30      3625.68       3583.48      3458.63      3879.72

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
 Rest of State                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                  1122.50      710.34      558.00      291.00     980.00      1026.30        609.30      925.50      843.48     830.68            427.25       473.40
PD                               509.66                  196.00     697.00      1023.90        608.10      923.40      Included      Included       378.52       381.02
UM/UIM BI              42.00     113.79        75.00      28.00     264.00        126.90        79.50      117.60         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00       228.90       132.30      199.80          5.40          5.40         7.65        10.60
MED                    70.70     156.52        94.00      42.00     239.00        151.20        77.70      124.80        167.40       165.40         83.78       110.12
COMP                 924.30      274.07      720.00      739.00     277.00        282.40       131.10      216.90        463.64       463.64        570.16       578.68
COLL                2194.80     1410.19     1740.00     1085.00    2082.00      4059.50       1972.80     3428.80       1239.40      1224.60       1619.56     1900.13
         TOTAL      4361.80     3242.85     3187.00    2390.00     4629.00      6899.10      3610.80      5936.80      2816.52       2786.92      3158.24      3552.71


NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.




                                                                                 63
                                                                    Example 12 - Family
                                                              Driver 1: Male, 40
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                            Driver 2: Female, 40
                                                Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                            Driver 3: Female, 16
                                               Vehicle 3: 2001 Dodge Neon R/T, 4 Door Sedan
                                                      Use: Commute - 10 miles one way
                    National
                                                                                   Geico           Geico       Geico                     Horace     Horace
     Anchorage     Union Fire   Allstate     Amica1      Electric      GEICO                                              Hartford
                                                                                                                                     2
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     470.00      629.77      706.00       512.00       347.90         347.90       510.30      753.30     N/A          1126.00      778.70
PD                     470.00      498.94         N/A       313.00       348.10         348.10       592.50      738.60     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     81.00        73.53      81.00       101.00        40.70          40.70        98.10      149.80     N/A            58.30       39.90
COMP                   417.00      203.12      157.00       248.00       281.90         281.90       392.10      613.20     N/A           502.90      374.20
COLL                  1279.00      904.20     2134.00       823.00      1125.20        1125.20      1686.00     2590.70     N/A          1852.50     1367.20
           TOTAL     2798.00      2434.10    3129.00      2051.00      2241.00     2241.00          3477.90    5137.20      N/A          3589.20    2609.50

                    National
     Barrow and                                    1                               Geico           Geico       Geico                 2   Horace     Horace
                   Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
       Nome                                                                       General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     345.00      437.09      472.00       349.00       242.10         242.10       385.90      535.50     N/A           922.90      710.70
PD                     333.00      338.08         N/A       197.00       236.60         236.60       422.20      513.60     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     71.00        70.13      51.00        66.00        33.50          33.50        79.00      117.40     N/A            58.30       43.30
COMP                   551.00      318.26      219.00       805.00       323.70         323.70       470.60      650.80     N/A           741.50      604.40
COLL                  1389.00     1047.33     1927.00       301.00      1217.20        1217.20      1850.90     2697.70     N/A          1657.80     1432.10
           TOTAL     2770.00      2335.43    2720.00      1772.00      2150.30     2150.30          3407.50    4806.60      N/A          3430.00    2840.00

                    National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
       Bethel      Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     345.00      437.09      472.00       349.00       242.10         242.10       385.90      535.50     N/A           922.90      710.70
PD                     333.00      338.08         N/A       197.00       236.60         236.60       422.20      513.60     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     71.00        70.13      51.00        66.00        33.50          33.50        79.00      117.40     N/A            58.30       43.30
COMP                   551.00      318.26      219.00       805.00       323.70         323.70       470.60      650.80     N/A           741.50      604.40
COLL                  1389.00     1047.33     1927.00       301.00      1217.20        1217.20      1850.90     2697.70     N/A          1657.80     1432.10
           TOTAL     2770.00      2335.43    2720.00      1772.00      2150.30     2150.30          3407.50    4806.60      N/A          3430.00    2840.00

                    National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
     Fairbanks     Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     335.00      362.28      568.00       351.00       262.90         262.90       387.90      587.30     N/A           998.30      694.80
PD                     403.00      418.49         N/A       284.00       265.60         265.60       504.10      611.50     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     62.00        49.51      60.00        76.00        31.50          31.50        77.60      110.90     N/A            56.70       38.30
COMP                   474.00      255.00      176.00       252.00       308.60         308.60       422.40      650.80     N/A           667.40      496.60
COLL                  1321.00     1037.75     2125.00       823.00      1191.80        1191.80      1773.20     2697.70     N/A          1640.00     1209.90
           TOTAL     2676.00      2247.57    2980.00      1840.00      2157.60     2157.60          3364.10    4949.80      N/A          3411.90    2489.10

                    National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
      Juneau       Union Fire   Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                     (AIG)
BI                     257.00      272.49      472.00       349.00       186.10         186.10       308.90      464.80     N/A           779.00      598.20
PD                     290.00      297.59         N/A       197.00       184.90         184.90       358.70      461.40     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     43.00        35.79      51.00        66.00        24.10          24.10        55.70      103.80     N/A            56.70       42.30
COMP                   333.00      171.51      219.00       805.00       212.00         212.00       343.80      529.00     N/A           403.20      328.50
COLL                  1027.00      761.71     1927.00       301.00       902.70         902.70      1427.10     2266.50     N/A          1292.70     1000.10
           TOTAL     2031.00      1663.63    2720.00      1772.00      1607.00     1607.00          2693.10    4117.10      N/A          2581.10    2018.60

NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                  64
                                                                      Example 12 - Family
                                                                   Driver 1: Male, 40
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way
                                                                  Driver 2: Female, 40
                                                      Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                            Use: Commute - 10 miles one way
                                                                  Driver 3: Female, 16
                                                     Vehicle 3: 2001 Dodge Neon R/T, 4 Door Sedan
                                                            Use: Commute - 10 miles one way
                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Anchorage                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   999.40      916.00      699.00     302.00     1349.00      1188.30        699.00     1066.80     1217.84    1194.24            521.55       558.99
PD                               657.00                 203.00      870.00      1261.80        742.50     1132.80      Included      Included       416.97       405.52
UM/UIM BI              42.00     165.00        75.00      28.00     264.00        159.30       100.20      147.60         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       99.00                   9.00       90.00       178.50       102.60      154.80          5.40          5.40         7.65        10.60
MED                    51.70     187.00        80.00      35.00     337.00        189.90        97.80      156.90        211.20       207.60         80.78       102.24
COMP                 447.60      262.00      388.00     358.00      177.00        185.30        85.70      142.90        342.76       342.76        343.87       336.68
COLL                1648.40     1279.00     1238.00     772.00     1459.00      3165.10       1530.40     2660.10        961.96       946.96       1115.80     1259.83
          TOTAL     3196.60     3565.00     2480.00    1707.00     4546.00      6328.20      3358.20      5461.90      2836.36       2794.16      2557.93      2772.63

                                                                                                          First
     Barrow and   Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                State Farm State Farm                     USAA
                               Leader                                                 3             4   National                                  USAA
       Nome       Ins. Co.                 Mutual      politan      sive      America      Illinois             5      F&C       Mutual                      Casualty
                                                                                                        (Safeco)
BI                   820.30      631.72      512.00     262.00      870.00      N/A           N/A         N/A            664.56       651.76        332.77       355.69
PD                               453.10                 177.00      619.00      N/A           N/A          N/A         Included      Included       268.95       261.87
UM/UIM BI              42.00     113.79        75.00      28.00     264.00      N/A           N/A          N/A            97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00     N/A           N/A          N/A             5.40          5.40         7.65        10.60
MED                    51.70     162.61        54.00      33.00     246.00      N/A           N/A          N/A           129.60       127.60         59.80        75.69
COMP                 660.40      242.59      409.00     457.00      226.00      N/A           N/A          N/A           349.68       349.68        380.23       372.24
COLL                1578.60     1184.26     1256.00     750.00     1608.00      N/A           N/A          N/A           953.80       939.00       1131.56     1277.74
          TOTAL     3160.50     2856.36     2306.00    1716.00     3923.00      N/A           N/A          N/A         2200.24       2170.64      2252.27      2452.59

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                State Farm State Farm                     USAA
       Bethel                  Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5      F&C       Mutual                      Casualty
                                                                                                        (Safeco)
BI                   820.30      631.72      400.00     221.00      870.00      N/A           N/A         N/A            664.56       651.76        332.77       355.69
PD                               453.10                 150.00      619.00      N/A           N/A          N/A         Included      Included       268.95       261.87
UM/UIM BI              42.00     113.79        75.00      28.00     264.00      N/A           N/A          N/A            97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00     N/A           N/A          N/A             5.40          5.40         7.65        10.60
MED                    51.70     162.61        68.00      33.00     246.00      N/A           N/A          N/A           129.60       127.60         59.80        75.69
COMP                 660.40      242.59      496.00     503.00      226.00      N/A           N/A          N/A           349.68       349.68        380.23       372.24
COLL                1578.60     1184.26     1214.00     803.00     1608.00      N/A           N/A          N/A           953.80       939.00       1131.56     1277.74
          TOTAL     3160.50     2856.36     2253.00    1747.00     3923.00      N/A           N/A          N/A         2200.24       2170.64      2252.27      2452.59

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Fairbanks                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   887.00      694.90      512.00     262.00      909.00        915.90       538.80      822.30      837.20     820.80            334.37       357.42
PD                               489.35                 177.00      735.00        926.40       545.10      831.60      Included      Included       308.58       300.32
UM/UIM BI              42.00     125.17        75.00      28.00     264.00        123.00        77.40      114.00         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       75.10                   9.00       90.00       193.20       111.30      167.70          5.40          5.40         7.65        10.60
MED                    50.30     152.85        54.00      33.00     231.00        146.70        75.60      121.20        125.84       123.84         55.83        70.67
COMP                 593.90      283.83      409.00     457.00      240.00        209.90        97.10      161.70        404.00       404.00        379.26       371.29
COLL                1459.30     1231.63     1256.00     750.00     1697.00      3428.20       1657.60     2881.30       1028.60      1012.40       1114.11     1257.91
          TOTAL     3040.00     3052.84     2306.00    1716.00     4166.00      5943.30      3102.90      5099.80      2498.24       2463.64      2271.11      2466.97

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Juneau                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   691.60      606.46      400.00     199.00      802.00        825.30       485.40      740.70      716.56     702.96            275.34       293.84
PD                               398.73                 138.00      490.00        729.30       429.00      654.90      Included      Included       245.04       238.67
UM/UIM BI              42.00     113.79        75.00      28.00     264.00        110.10        69.00      102.00         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00       165.30        95.10      143.40          5.40          5.40         7.65        10.60
MED                    50.30     138.22        54.00      26.00     188.00        131.10        67.50      108.30        105.60       103.60         46.94        59.41
COMP                 359.10      230.46      403.00     322.00      163.00        162.70        75.30      125.40        266.40       266.40        287.69       281.75
COLL                1102.30     1243.47     1196.00     558.00     1309.00      2930.40       1416.90     2463.00        877.76       864.16        877.10       988.64
          TOTAL     2252.80     2799.41     2128.00    1280.00     3306.00      5054.20      2638.20      4337.70      2068.92       2039.72      1811.08      1971.67

NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
                                                                                 65
                                                                    Example 12 - Family
                                                              Driver 1: Male, 40
                                                  Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                             Driver 2: Female, 40
                                                 Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                      Use: Commute - 10 miles one way
                                                            Driver 3: Female, 16
                                               Vehicle 3: 2001 Dodge Neon R/T, 4 Door Sedan
                                                      Use: Commute - 10 miles one way
                   National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
      Kenai       Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     345.00      437.09      472.00       349.00       242.10         242.10       385.90      535.50     N/A           897.60      631.60
PD                     333.00      338.08         N/A       197.00       236.60         236.60       422.20      513.60     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     71.00        70.13      51.00        66.00        33.50          33.50        79.00      117.40     N/A            58.30       39.90
COMP                   551.00      318.26      219.00       805.00       323.70         323.70       470.60      650.80     N/A           726.10      540.10
COLL                 1389.00      1047.33     1927.00       301.00      1217.20        1217.20      1850.90     2697.70     N/A          1692.90     1170.20
          TOTAL      2770.00      2335.43     2720.00      1772.00      2150.30        2150.30      3407.50     4806.60     N/A          3424.40     2431.30

                   National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
      Kodiak      Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     345.00      437.09      472.00       349.00       242.10         242.10       385.90      535.50     N/A           922.90      710.70
PD                     333.00      338.08         N/A       197.00       236.60         236.60       422.20      513.60     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     71.00        70.13      51.00        66.00        33.50          33.50        79.00      117.40     N/A            58.30       43.30
COMP                   551.00      318.26      219.00       805.00       323.70         323.70       470.60      650.80     N/A           741.50      604.40
COLL                 1389.00      1047.33     1927.00       301.00      1217.20        1217.20      1850.90     2697.70     N/A          1657.80     1432.10
          TOTAL      2770.00      2335.43     2720.00      1772.00      2150.30        2150.30      3407.50     4806.60     N/A          3430.00     2840.00

                   National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
     Wasilla      Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     470.00      437.09      472.00       349.00       242.10         242.10       385.90      535.50     N/A           933.90      656.40
PD                     470.00      338.08         N/A       197.00       236.60         236.60       422.20      513.60     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     81.00        70.13      51.00        66.00        33.50          33.50        79.00      117.40     N/A            58.30       39.90
COMP                   417.00      318.26      219.00       805.00       323.70         323.70       470.60      650.80     N/A           773.20      576.10
COLL                 1279.00      1047.33     1927.00       301.00      1217.20        1217.20      1850.90     2697.70     N/A          1773.90     1249.40
          TOTAL      2798.00      2335.43     2720.00      1772.00      2150.30        2150.30      3407.50     4806.60     N/A          3588.80     2571.30

                   National
                                                   1                               Geico           Geico       Geico                 2   Horace     Horace
 Rest of State    Union Fire    Allstate     Amica       Electric      GEICO                                              Hartford
                                                                                  General        Indemnity    Casualty                   Mann      Mann P&C
                    (AIG)
BI                     345.00      437.09      472.00       349.00       242.10         242.10       385.90      535.50     N/A           922.90      710.70
PD                     333.00      338.08         N/A       197.00       236.60         236.60       422.20      513.60     N/A
UM/UIM BI               81.00      119.14       51.00        40.00        74.70          74.70       142.20      203.10     N/A            42.00       42.00
UM/UIM PD            Included         5.40        N/A        14.00        22.50          22.50        56.70       88.50     N/A             7.50        7.50
MED                     71.00        70.13      51.00        66.00        33.50          33.50        79.00      117.40     N/A            58.30       43.30
COMP                   551.00      318.26      219.00       805.00       323.70         323.70       470.60      650.80     N/A           741.50      604.40
COLL                 1389.00      1047.33     1927.00       301.00      1217.20        1217.20      1850.90     2697.70     N/A          1657.80     1432.10
          TOTAL      2770.00      2335.43     2720.00      1772.00      2150.30        2150.30      3407.50     4806.60     N/A          3430.00     2840.00

NOTES:
1. Amica: Single limits of $125,000 used for liability and UM/UIM coverages

2. Hartford: Ineligible - insured doesn't meet AARP membership requirements




                                                                                  66
                                                                      Example 12 - Family
                                                                   Driver 1: Male, 40
                                                       Vehicle 1: 2001 Jeep Cherokee 4x4, 4 Door
                                                           Use: Commute - 10 miles one way
                                                                   Driver 2: Female, 40
                                                       Vehicle 2: 2003 Honda CR-V LX, 4x4, 4 Door
                                                            Use: Commute - 10 miles one way
                                                                  Driver 3: Female, 16
                                                     Vehicle 3: 2001 Dodge Neon R/T, 4 Door Sedan
                                                            Use: Commute - 10 miles one way
                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
      Kenai                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   797.50      701.21      400.00      221.00     977.00        891.30       524.40      800.10      747.76     733.36            395.94       423.72
PD                               457.63                  150.00     655.00        860.70       506.40      772.50      Included      Included       319.99       311.40
UM/UIM BI              42.00     113.79        75.00      28.00     264.00        145.20        91.20      134.40         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00       173.40        99.90      150.60          5.40          5.40         7.65        10.60
MED                    51.70     173.99        68.00      33.00     335.00        172.80        89.10      142.80        144.00       141.60         69.38        87.82
COMP                 646.00      308.09      496.00      503.00     238.00        221.30       102.30      170.50        445.96       445.96        396.51       388.16
COLL                1410.80     1421.11     1214.00      803.00    1757.00      3076.30       1487.50     2585.50       1044.28      1027.88       1114.11     1257.91
         TOTAL      2955.50     3244.11     2253.00     1747.00    4316.00      5541.00       2900.80     4756.40       2484.60      2451.40       2374.88     2578.36

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of                State Farm State Farm                     USAA
     Kodiak                    Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5      F&C       Mutual                      Casualty
                                                                                                        (Safeco)
BI                   820.30      682.26      400.00      221.00    1035.00      N/A           N/A         N/A            716.56       702.96        300.45       320.89
PD                               453.10                  150.00     594.00      N/A           N/A          N/A         Included      Included       244.81       238.44
UM/UIM BI              42.00     113.79        75.00      28.00     264.00      N/A           N/A          N/A            97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00     N/A           N/A          N/A             5.40          5.40         7.65        10.60
MED                    51.70     162.61        68.00      33.00     261.00      N/A           N/A          N/A           105.60       103.60         54.74        69.28
COMP                 660.40      291.11      496.00      503.00     229.00      N/A           N/A          N/A           266.40       266.40        362.45       354.86
COLL                1578.60     1184.26     1214.00      803.00    1847.00      N/A           N/A          N/A           877.76       864.16       1002.48     1131.09
         TOTAL      3160.50     2955.41     2253.00     1747.00    4320.00      N/A           N/A          N/A          2068.92      2039.72       2043.90     2223.91

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
     Wasilla                   Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   828.90      758.07      699.00      302.00    1319.00      1080.90        636.00      970.50     1217.84    1194.24            498.58       534.25
PD                               489.35                  203.00     772.00      1021.20        600.90      916.80      Included      Included       396.25       385.41
UM/UIM BI              42.00     113.79        75.00      28.00     264.00        152.70        96.00      141.60         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00       178.50       102.60      154.80          5.40          5.40         7.65        10.60
MED                    51.70     175.62        80.00      35.00     326.00        182.10        93.90      150.30        211.20       207.60         78.47        99.32
COMP                 688.50      276.56      388.00      358.00     238.00        216.30       100.10      166.80        342.76       342.76        357.10       349.63
COLL                1506.70     1302.69     1238.00      772.00    1534.00      3165.10       1530.40     2660.10        961.96       946.96       1122.57     1267.53
         TOTAL      3125.30     3184.35     2480.00     1707.00    4543.00      5996.80       3159.90     5160.90       2836.36      2794.16       2531.93     2745.49

                                                                                                          First
                  Teachers                 Liberty     Metro-     Progres-    Safeco of    Safeco of              State Farm State Farm                       USAA
 Rest of State                 Leader                                                 3             4   National                                  USAA
                  Ins. Co.                 Mutual      politan      sive      America      Illinois             5    F&C       Mutual                        Casualty
                                                                                                        (Safeco)
BI                   820.30      631.72      400.00      221.00     870.00        833.40       490.20      748.20      664.56     651.76            320.84       342.85
PD                               453.10                  150.00     619.00        831.60       489.30      746.40      Included      Included       283.70       276.18
UM/UIM BI              42.00     113.79        75.00      28.00     264.00        132.00        83.10      122.40         97.20         97.20        71.31        98.76
UM/UIM PD               7.50       68.28                   9.00       90.00       180.00       103.50      156.30          5.40          5.40         7.65        10.60
MED                    51.70     162.61        68.00      33.00     246.00        157.20        81.00      129.90        129.60       127.60         58.71        74.31
COMP                 660.40      242.59      496.00      503.00     226.00        227.70       105.40      175.50        349.68       349.68        402.03       393.56
COLL                1578.60     1184.26     1214.00      803.00    1608.00      3194.20       1544.50     2684.60        953.80       939.00       1166.16     1317.05
         TOTAL      3160.50     2856.36     2253.00     1747.00    3923.00      5556.10       2897.00     4763.30       2200.24      2170.64       2310.40     2513.30

NOTES:
3. Safeco of America: This company writes non-standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in
these areas.
4. Safeco of Illinois: This company writes preferred business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.
5. First National: This company writes standard business. Unable to write business in Barrow, Bethel or Nome as we have no way to provide claims service in these
areas.




                                                                                 67